Rhode Island (RI) Insurance Law




 


This is a copy of the Law as it was when posted. We believe it to be accurate and complete, but we make no guarantees or warrantees. If you know there to be a mistake in what is posted here, please inform us of such by clicking here.



Rhode Island Car & Motorcycle Insurance

  • Liability Required? YES
  • Personal Injury Protection Required? NO
  • No Fault State? NO
  • Uninsured Motorist Coverage Required: YES

Required Minimum Bodily Injury Coverage

  • In Rhode Island, you can choose between a "split limit" or a "single limit" policy.
  • The split limit is $25,000 per person injured in any one accident and $50,000 for all persons injured in any one accident. This also requires a minimum property damage coverage amount of $25,000 for injury to or destruction of property of others in any one accident.
  • The single limit is $75,000 per accident for all damages.

Optional Insurance Coverage

  • Uninsured Motorist (UM) Coverage. In Rhode Island, UM coverage includes underinsured motorist (UIM) coverage. The amount purchased cannot be less than the required bodily injury minimum. If bodily injury coverage is purchased in an amount greater than that required by law, UM coverage must equal that amount, unless the insured selects a lesser limit in writing. The lesser limit can be less than the bodily injury coverage purchased, but it cannot be less than the bodily injury coverage required.
  • Medical Payment Coverage. This optional coverage pays medical expenses for injuries arising out of the ownership, maintenance, or use of a motor vehicle, without regard to fault. If elected, it must be purchased in the minimum amounts of $2,500 per person injured in any one accident and $5,000 for all persons injured in any one accident.

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