Auto Coverage in Rhode Island
Rhode Island Auto Insurance
In the state of Rhode Island, it is mandatory for drivers to have auto insurance coverage and carry proof with them in the vehicle at all times. If you happen to be pulled over by a traffic officer, or if you are in a collision, then you will need to show that you're insured. You'll also need to sign a statement when you register a vehicle , proving that you have insurance and will keep your coverage as long as the vehicle is registered.
Minimum Rhode Island auto insurance
Auto insurance policies for Rhode Island drivers need to cover at least the following amounts:
- Bodily Injury and Death: $25,000 to cover one person in any one accident, and $50,000 to cover all injuries
- Property Damages: $25,000
In addition to these amounts you may also want to consider other types of coverage such as collision, comprehensive, uninsured motorist and personal injury protection.
Rhode Island uses a tort system to determine fault in an accident. The tort system means that one of the drivers involved in the collision will be found at fault for causing it, and that driver will be responsible for paying all damages associated with the event. Therefore it's highly recommended to make sure you have high amounts of insurance coverage in Rhode Island. If you get stuck with all the bills from one accident, you could be faced with high costs and if your insurance isn't enough, you'll have to pay out of pocket.
Penalties without Rhode Island auto insurance
If you're caught driving without insurance in Rhode Island, your license will get taken away until you can show that you have reinstated your auto insurance coverage. You may also receive a citation and $500 fine.
Even if you aren't pulled over by a traffic officer or involved in an accident, the Department of Motor Vehicles can still find out if you let your insurance lapse because the insurance company must report any lapse in coverage to them. As a result you could face fines.