The state of Rhode Island follows a Tort
system meaning someone must be found to be at fault for causing
the accident, and that person and their insurance company is
responsible for all the damages. You should be aware that the
details of a tort system vary from state to state and it is best
to check with your state insurance regulator. Visit our
State
Insurance Regulators page for a list of links to all the
state insurance regulators websites.
Rhode Island state law requires minimum
Bodily Injury Liability coverage of $25,000 per injured person
up to a total of $50,000 per accident, and Property Damage
Liability coverage with a minimum limit of $25,000. This basic
coverage is often referred to as 25/50/25 coverage.
Personal Injury Protection (PIP) in your
coverage helps pay for "reasonable and necessary" medical
expenses for you and your passengers. While Rhode Island state
law does not require a minimum Personal Injury Protection, some
insurers offer this as an optional coverage.
To help protect against damages caused to
you and your passengers by an uninsured driver, Rhode Island
state law requires a minimum Uninsured/Underinsured Motorist
coverage of $25,000 per person, $50,000 per accident for any
bodily injury caused by the uninsured driver.
