RHODE ISLAND AUTO INSURANCE GUIDE
Rhode Island UM/UIM Exhaustion, Offsets, Multiple Policies & Subrogation
This guide will address Rhode Island UM/UIM calculations, exhaustion of liability limits, permitted offsets, multiple-policy issues, settlement notice and consent, and subrogation rights that may affect recovery.
Publication review note — September 17, 2026. Verify current statutes, regulations, policy forms, exhaustion and offset provisions, and controlling appellate decisions before publication.
VictimsGuide 