STATE LAW – RHODE ISLAND LIBRARY – GUIDE 23
Rhode Island Auto Insurance & Crash Law Case Authority Library
This issue-organized authority index collects primary Rhode Island statutes, regulations and leading Supreme Court decisions for automobile insurance and crash-law research.
Core Rhode Island Authorities
- R.I. Gen. Laws §27-7-2.1 — uninsured and underinsured motorist coverage.
- 230-RICR-20-05-1 — Uninsured and Underinsured Motorist Insurance.
- R.I. Gen. Laws §31-47-2 — financial-responsibility requirements and minimum limits.
- R.I. Gen. Laws §9-20-4 — pure comparative negligence.
- R.I. Gen. Laws §9-1-14 — principal personal-injury limitation period.
Enacted Future Change
2026 Public Laws, Chapter 388, enacted June 19, 2026, amends §27-7-2.1 and takes effect April 1, 2027. The amendment should be treated as future law until that date.
Leading Rhode Island Decisions
- Horsman v. Travelers Property Casualty Co. of America (R.I. 2026) — commercial-fleet UIM stacking and bad-faith issues.
- Cardoso v. Nationwide Mutual Insurance Co., 659 A.2d 1097 (R.I. 1995) — statutory stacking tied to payment of separate UM premiums.
- Finch v. Centennial Insurance Co., 650 A.2d 495 (R.I. 1994) — commercial-fleet policy stacking.
Use these authorities with current Department of Business Regulation materials, later citing decisions and the declarations, endorsements and premium structure of the policy at issue.
Current-law review: September 17, 2026. Chapter 388 is enacted but does not take effect until April 1, 2027.
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PUBLIC-INTEREST LEGAL EDUCATION
VictimsGuide does not provide legal services or create an attorney-client relationship. Verify current primary authority, policy language and applicable law before legal reliance.
Official Rhode Island sources
Rhode Island General Laws · Rhode Island Insurance Division · Rhode Island Judiciary