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.