Rhode Island

Rhode Island Mandatory Auto Insurance Coverage Requirements

Under Rhode Island state law, drivers must comply with mandatory auto insurance coverage requirements to stay legal. Third party liability protection is required in this tort state. It pays for injuries and damages suffered by the occupants of the other vehicle when an at-fault accident occurs.

The minimum amount of bodily injury liability coverage required by law is $25,000 to compensate one person injured or killed in an accident, and $50,000 to pay for all injuries and deaths stemming from the same accident. This part of the policy pays for medical and rehabilitation expenses; it also provides a funeral benefit in the case of a fatal accident.

At least $25,000 in property damage liability protection must also be put in place under state law. This part of the policy pays for repairs to the other driver’s vehicle following the accident, as well as the cost of repairing public property, such as fences, guard rails, sign posts and light stands.

Even though the state has set minimum coverage requirements for Rhode Island drivers, it doesn’t mean they are limited to this level of protection. A car insurance buyer can choose to buy a policy with a higher level of protection, if he or she wishes to do so. This is an excellent strategy, since the damages caused in a serious accident can easily add up to more than the minimum level of liability coverage required by law. To avoid being personally responsible for paying for damages, drivers should consider a policy with a higher coverage limit.

RI Car Insurance Comparisons Help Drivers Save Money

Before choosing a provider, savvy RI drivers take the time to perform car insurance comparisons. Each company has something different to offer consumers, and considering the options carefully allows the buyer to find the one that will provide the policy terms he or she is looking for at an affordable price.

Taking the time to consider a number of insurance companies may seem like a daunting task, but going online to research options is an effective way to gather information quickly and easily. A buyer who wants to learn about the companies themselves before requesting a quote can conduct an online search for “Rhode Island car insurance” and click through the results to find companies that he or she thinks may be a good fit.

Getting a quote for coverage online is a relatively simple matter. In many cases, the customer need only fill out an online form and answer a few questions to find out how much the company would charge to issue a policy. The customer will be asked where he or she is located (zip code) and what type of vehicle he or she wants to insure. The insurance company will also want to get some information about the customer’s driving history. Someone who has been involved in one or more at-fault accidents in the past few years will pay more for coverage than a consumer who has a clean driving record.

By taking the time to check out RI car insurance comparisons, consumers can find the right type and level of protection for their needs.