Rhode Island drivers are responsible for any losses that result when they are in an accident, including the costs associated with the medical expenses of those injured by the accident. As with all of the states in the union, Rhode Island drivers are required to carry a certain amount of liability insurance in order to protect themselves from these expenses and to help pay for the damage resulting from the accident.
In Rhode Island, the required minimum amount of auto insurance coverage that all drivers must have is 25/50/25. This means Rhode Island drivers must carry $10,000 worth of liability coverage per person that is injured in an automobile accident they cause.
Rhode Island drivers are also required to carry $50,000 worth of insurance coverage per automobile accident. In addition, drivers in Rhode Island are required to maintain $50,000 worth of coverage for any property damage resulting from accident that that is their fault. Rhode Island drivers are also free to add other forms of coverage to their insurance policy, including collision and comprehensive coverage, if they like.
Rhode Island drivers also must carry $25,000 worth of coverage for property damage. In addition, they are required to carry uninsured and underinsured motorist protection. This insurance must provide $25,000 in coverage per person and $50,000 in coverage per accident.
The Bodily Injury Liability coverage, or simply BI for short, is a required form of coverage for Rhode Island drivers. This type of coverage pays for the expenses that are associated with the injury or death of other people involved in the accident. This type of insurance must provide at least $25,000 of coverage per person involved in the accident as well as a total of $50,000 per accident. This insurance covers the costs of other drivers involved in the accident as well as any passengers or pedestrians.
In order to get their vehicles registered and to legally drive in the state, Rhode Island drivers are required to have adequate auto insurance in place. Rhode Island drivers have many options for proving that this insurance coverage has been purchased. The easiest way for Rhode Island drivers to prove that they have the right amount of insurance coverage is to simply carry the temporary insurance card that was issued by the insurer.
Rhode Island drivers that do not have a temporary insurance card can select from a variety of different methods to prove that their coverage is in place. These methods include showing the receipt for the premium payment and showing the insurance binder that was issued by the insurance agent. Another method is to show the current declarations page from the insurance policy. The actual policy may be used for proof as well. Another option is to show the certificate of liability insurance policy, which is issued by an authorized agent or by the insurer.
Rhode Island drivers that are driving a rental vehicle must also have insurance in place. This will be indicated on the rental agreement and, therefore, the rental agreement can be used to prove that coverage is in place.