Rhode Island Car Insurance Quotes

Rhode Island state law requires minimum coverage of:

• $25,000 for bodily injury or death to one person.
• $50,000 total per accident for bodily injury or death.
• $25,000 for damage to property.

In Rhode Island, you may decline to purchase uninsured/underinsured motorist coverage if you choose to buy only minimum limits of bodily injury and property damage liability as required by law.

Bodily Injury, Property Damage Liability, and Uninsured/Underinsured Motorist Coverage are the basic coverages contained in liability policies and are mandatory under the laws of Rhode Island (with the exception as mentioned for UM). Other coverages, including those covering the automobile itself, are available at your option.

In Rhode Island, the tort system is used when settling losses caused by auto accidents. Under this system, you do not buy insurance that protects you directly. Rather, you buy "liability" insurance that protects other drivers to whom you become legally responsible for injury or other damage caused by an accident in which you are involved, should the accident be your fault. This means, when buying auto liability insurance, you transfer your risk of liability for injury or damage under tort liability laws to the insurance company. Put another way, the company steps into your shoes and pays for damage in an auto accident for which you are legally responsible.