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As of November 1993, every Rhode Island driver and car owner must be able to prove "financial responsibility" in case of an accident. The best way to do that is to purchase Rhode Island car insurance.
The state of Rhode Island falls under the "tort" system of insurance. This means that the person causing an accident or injury is legally responsible for covering the other driver's resulting medical and/or car repair bills, as well as any other expenses related to the accident.
Essentially, when you are considered "at fault" or negligent in an accident, your Rhode Island car insurance company steps in to cover these costs using funding from the premiums you pay.
State Car Insurance Requirements
Rhode Island state law requires drivers to carry only bodily injury and property damage coverage. These are both types of liability insurance, which covers damage you cause others and their property through your own negligent acts.
The least amount of Rhode Island car insurance you may purchase includes bodily injury protection of $25,000 per person and $50,000 per accident; and property damage coverage of $25,000.
Other Recommended Coverages
Uninsured/underinsured motorist coverage protects you when you're involved in an accident with another driver who either is not insured at all, or is severely underinsured. This Rhode Island car insurance coverage is not mandatory, but it is encouraged for your protection.
Physical damage auto insurance, which pays for any damage or loss you sustain, is also available in the form of comprehensive or collision coverage. Although not required by law, your lender or leasing company will usually require you to add these coverages to your Rhode Island car insurance policy.
Other optional coverages you may want to consider include medical payments coverage, rental reimbursement coverage, and towing and labor coverage. Talk to a licensed Rhode Island car insurance provider for more explanations about these coverages, and to find out if you need them.
Lowering Insurance Costs
Acquiring Rhode Island car insurance coverage can be an expensive proposition. Getting the best coverage at the best price involves knowing and understanding the factors that drive insurance prices upward, and taking steps to ensure these factors do not affect your own premium.
Some of the best ways to keep your Rhode Island car insurance premium low include:
No one wants to pay more for their Rhode Island car insurance than they have to. That's why it's important to use a shopping service like InsureMe to compare price and coverage, and make sure you are getting the best policy for your money.
When talking to various Rhode Island car insurance agents, ask about the level of customer service they can provide. This may not seem so important at the time, but reliable, prompt, efficient service is of prime importance when you need to file a claim or ask for help.
Make use of unbiased sources of information such as public libraries, your state department of insurance, consumer groups and related publications when looking for a quality Rhode Island car insurance policy that meets your needs.
Finally, ask friends and family members about their experiences with their own insurers, and glean any useful knowledge or information they may be able to provide.
Contact the Rhode Island Department of Business Regulation, insurance division, for further questions you may have regarding your Rhode Island car insurance. Their number is 401-222-2223.
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