Rhode Island Auto Insurance Coverage


Rhode Island, just like any other state in the United States has its own set of rules and regulations. These are written to ensure safety of the citizens and must be followed at all costs. Every state has a written set of rules to ensure every motorist ion the road is safe. Anybody found violating these rules are placing themselves and others in danger. They will be attracting and penalties and fines if they are found violating the rules. As far as motorists and accidents are concerned, Rhode Island follows the tort system of rules. According to the tort system, a person has to be found responsible for an accident. This person will then have to pay for all the damages caused due to the accident.

Therefore, it is of extreme importance to ensure that a motorist has enough finances to take financial responsibility of the accident if he has caused an accident. This is the reason many states have made insurance mandatory. The state of Rhode Island has made insurance mandatory as well. Every state sets a minimum sum of insurance. This is known as the minimum liability.

In the state of Rhode Island minimum liability is of the amount or form known 25/50/25. This is an abbreviated form of the minimum liability. It stands for twenty five thousand dollars minimum liability for bodily injury for any person involved in an accident. It also involves fifty thousand dollars in total for bodily injury per accident for two people. Twenty five thousand dollars is set aside for any property damage. Bodily injury will cover any medical costs and loss of wages if any. Property damage will take care of any damage caused to the property including the car, damage to any buildings or fences or even lamp posts.

Another form of insurance that is made mandatory in Rhode Island is uninsured motorist coverage. This insurance coverage will cover any costs you might incur when you are involved n an accident with a person who is not insured according to the laws of the state. This is a very important policy in states with a high number of uninsured motorists. You can also choose the under insured motorist coverage. This will cover any costs if you are involved in an accident with a motorist who has insurance but not enough to cover all the damage caused. Under insured motorist coverage is not mandatory in Rhode Island.

Another common insurance coverage would be physical damage. This has two main components, collision and comprehensive insurance coverage. Collision coverage covers any damage that might occur to your car in an accident. The minimum liability covers damage to the other vehicle only. If you are found responsible, you will need this insurance policy to cover damages to your vehicle. It will cover any repair costs and replacement costs. Comprehensive is also very popular. This policy covers any damage caused to your car when it is not in an accident. Such damages would be damage caused by rain, hail or snow. It might also be due theft or vandalism.