Auto Insurance in Rhode Island: The State's Requirements

Auto insurance in Rhode Island is required by law, and if you decide to move to the area or buy a car there, you will have to purchase the minimum amounts of coverage. Car insurance is designed to help you pay for damages that are the result of accidents or fire or weather-related damages. You buy a certain amount of coverage by paying monthly (or quarterly or yearly) payments, and if you have an accident your car insurance provider will pay up to the amount of coverage you purchased.

In Rhode Island you are required to buy a minimum amount of liability insurance, which is one type of car insurance. This means that you have to by a minimum limit of $25,000 of Property Damage Liability, and you will also have to buy a minimum limit of $25,000 per person of Bodily Injury Liability, which goes up to a total of $50,000 of Bodily Injury Liability per accident.

In addition to liability coverage, you will also have to purchase something called uninsured motorist bodily injury coverage because sometimes people who are uninsured drive cars that are insured. Rhode Island requires that you have a minimum of $25,000 per person, and this also goes up to $50,000 per accident.

As a driver in Rhode Island, you should also know that the state uses a Tort system when it comes to determining who is at fault in a car accident. According to this system, someone has to be at fault for the accident. This person then has to pay all the damages. If they have insurance, then the insurance company will pay the expenses.

When you begin your search for an insurance provider, you should compare premiums because some companies are less expensive than others. Various things will affect the amount of money that you will have to pay for coverage. For example, someone with a brand new car will usually have a higher premium than someone who owns an older vehicle. Nonetheless, the most important thing about auto insurance in Rhode Island is that you have to have it.