What is the Rhode Island minimum insurance coverage requirement?

It is up to the discretion of each state to set minimum limits for auto insurance coverage. Drivers in Rhode Island need auto insurance with minimum coverage in the event of injury or death from a car accident. If you’ve been injured in an accident with a Rhode Island driver, you may be wondering about the Rhode Island requirements for auto insurance.

In addition to Bodily Injury Liability and Property Damage Liability, Uninsured Motorist Bodily Injury insurance is also required. Basic familiarity with Rhode Island auto insurance minimum coverage may help in this area.

What is Rhode Island auto insurance minimum coverage?

Rhode Island requires the following minimum coverage for all drivers:

Bodily Injury Liability: $25,000/$50,000
Property Damage Liability: $25,000
Uninsured Motorist Bodily Injury

Medical payment, collision and comprehensive coverage is not required, but are suggested when purchasing Rhode Island auto insurance with minimum coverage. Your SouthCoast personal injury attorney can help you determine what type of coverage was carried by the Rhode Island driver involved in your accident and how that may affect any injury or property damage claims that you intend to file.

What do these insurance amounts cover?

The Bodily Injury Liability coverage minimum provides for up to $25,000 per single person injured in a car accident, with a limit of $50,000 for the injury of two or more persons. The Property Damage Liability provides for up to $25,000 in compensation for damage or destruction of property. Uninsured Motorist Bodily Injury coverage will pay for what the other driver is lacking in insurance, whether they were completely uninsured or underinsured.

Contacting a SouthCoast Personal Injury Attorney

If your car accident was with an uninsured driver, or you feel your insurance claim is not being properly handled, you may want to consult with a SouthCoast personal injury attorney who knows the ropes when dealing with auto insurance companies in Rhode Island. Contact a SouthCoast personal injury attorney at Phillips & Garcia to schedule your FREE legal consultation today – 1-877-892-5620.