RHODE ISLAND AUTO INSURANCE GUIDE

Rhode Island Borrowed, Non-Owned & Rental Vehicles

This guide will address liability, medical-payments, UM/UIM, and other coverage issues involving permissive use, borrowed vehicles, non-owned autos, and rental cars in Rhode Island, including priority among potentially applicable policies and contractual limitations.

Publication review note — September 17, 2026. Verify current insurance statutes, rental-vehicle requirements, policy forms, priority rules, and controlling decisions before publication.