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Rhode Island Auto Insurance & Crash Law Library

A public legal education and research library for Rhode Island auto insurance, crash claims, coverage, fault, damages, deadlines and settlement.

Guide 01 + 22 TOPIC GUIDES
25 / 50 / 25
Offered with statutory protections
Layout updated September 29, 2026

Browse Rhode Island Guides Guide 01: How to Use This Library

Rhode Island State Flag

Rhode Island State Law Library

Numbered guides by legal category

Guide numbers remain as registered; categories follow subject matter rather than assuming every jurisdiction uses the same ordinal sequence.

Getting Started in Rhode Island

01Rhode Island Citizen’s Guide — How to Use This LibraryBuild the coverage and claim map before making a final claim decision.›

02–08

Coverage & Insured Status

02Required Auto Insurance, 25/50/25 Liability & UM/UIM in Rhode IslandRequired insurance and minimum-coverage questions.›03Finding Applicable Insurance Coverage After a Rhode Island CrashFinding every potentially applicable policy.›04Who Is an Insured Under Rhode Island Auto Insurance?Coverage-specific insured status.›05Rhode Island Medical Payments Coverage, Health Insurance & CoordinationFirst-party benefits and coordination questions.›06Rhode Island UM/UIM Coverage, Offers, Elections, Reductions & Rejection RulesUM/UIM coverage, elections, priority or subrogation.›07Rhode Island UM/UIM Exhaustion, Offsets, Multiple Policies & SubrogationUM/UIM coverage, elections, priority or subrogation.›08Rhode Island Insurance Policy Interpretation, Exclusions & Coverage DisputesPolicy language, exclusions and coverage disputes.›

09–13

Insurer Duties & Claims Conduct

09Rhode Island Pre-Suit Insurance Information, Policy Limits & Coverage InvestigationCoverage information and pre-suit investigation.›11Rhode Island Insurance Agents, Applications & Failure to Procure CoverageProducer duties and missing requested coverage.›12Rhode Island Duty to Defend, Reservations of Rights & Liability Coverage DefenseDefense and reservation-of-rights issues.›13Rhode Island Third-Party Failure to Settle & Excess ExposureSettlement opportunities and excess exposure.›

14–17

Vehicle & Use Questions

14Rhode Island Borrowed, Non-Owned & Rental VehiclesBorrowed, non-owned and rental vehicle issues.›15Rhode Island Work, Employer & Commercial Vehicle CoverageEmployer liability and commercial-auto coverage.›16Rhode Island Rideshare/TNC Insurance, 50/100/25 Logged-On Coverage & $1.5 Million Ride CoverageRideshare and transportation-network coverage.›17Rhode Island Government Vehicle Crashes, State Tort Claims, Municipal Notice & ImmunityGovernment vehicle and public-entity claims.›

18–19

Liability & Proof

18Rhode Island Pure Comparative Negligence & Proportional Fault ReductionState fault-allocation rules.›19Rhode Island Crash Investigation, Evidence Preservation & Three-Year Injury LimitationCrash investigation, evidence preservation and limitations.›

10–22

Damages & Resolution

10Rhode Island Claims Handling, Bad Faith & Unfair Claims Settlement PracticesClaims handling and insurer-conduct issues.›20Rhode Island Crash Damages, Property Claims, Loss of Use & Limitation RulesCrash damages and property-loss questions.›21Rhode Island Wrongful Death, Survival & Three-Year LimitationWrongful-death and survival claims.›22Rhode Island Settlement, Releases, Medical Benefits, Liens, UM/UIM & SubrogationUM/UIM coverage, elections, priority or subrogation.›

Case Authority

23Rhode Island Auto Insurance & Crash Law Case Authority LibraryState-specific legal issue guide.›

Guide 01 · Rhode Island Citizen’s Guide

How to use this library before making a final claim decision

1Find every policy

Start with the coverage-finding guide.

2Build the liability map

Identify all responsible persons and entities and use the vehicle, government and fault guides.

3Preserve proof and deadlines

Use the investigation and evidence guide and maintain a deadline calendar.

4Verify before finality

Read the settlement/release guide, the case-authority library and official sources before release.

Rhode Island Published-Law Snapshot

Issues identified in the existing Rhode Island library

25 / 50 / 25

Rhode Island requires at least $25,000 per person, $50,000 per accident bodily injury and $25,000 property damage, or the permitted combined single limit.

Offered with statutory protections

Rhode Island requires UM/UIM protection in motor-vehicle liability policies subject to statutory minimums, elections and permitted written rejection rules.

Pure comparative negligence

Rhode Island reduces damages by the claimant’s percentage of fault rather than imposing a 50% or 51% bar.

$25,000 offered minimum

The insurer must offer uninsured-motorist property-damage coverage with at least the statutory minimum amount.

Rhode Island DBR Insurance

Insurance regulation and consumer resources.

Rhode Island General Assembly

Official General Laws.

Currentness status: carried forward from the existing hub; layout normalization is not legal-currentness certification.

Primary Research

Official Rhode Island research sources

How this library stays current

Build the complete Rhode Island coverage and claim map

1. Identify the issue and open the relevant numbered guide.

2. Verify current primary authority, policy language and effective dates.

3. Keep legal currentness, source integrity and publication checks separate from layout normalization.

Build the complete Rhode Island claim map before closing the file.

Find every policy, preserve evidence and deadlines, and review damages, reimbursement and release consequences.