Rhode Island Car Insurance
It is the law for all drivers to have a minimum level of Rhode Island car insurance. This insurance is known as liability insurance and consists of two parts, bodily injury liability and property damage liability.
Liability Insurance
This liability coverage covers third parties in an accident when you are found at fault for the accident. Bodily injury liability coverage’s injuries and medical expenses for third parties only. It does not cover your injuries, for that you would need some form of optional medical coverage. Property damage liability covers damages to third parties property most commonly their car. It does not cover damages to your car, and for that coverage you would need optional
comprehensive and collision coverage.
The minimum amount of bodily injury liability is $25,000 per person and $50,000 per accident. The minimum amount of property damage liability is $25,000. These are the minimum amounts required and it is recommended to increase these amounts. If you are in an accident and the damage exceeds your liability limits you will be responsible to pay the differences. This could end up being several thousand dollars, so by increasing your liability amount you can prevent this. Increasing your liability amounts will raise your insurance premiums. To determine how much your insurance will cost with the coverage you request get an online
Rhode Island auto insurance quote.
This will compare all insurance companies in Rhode Island and return the companies who offer the lowest prices.
Un-Insured Motorist Coverage
Lastly i is required that all drivers have uninsured motorist insurance. This insurance covers you if you are involved in an accident with a motorist that does not have insurance.
Return From Rhode Island Car Insurance to Minimum Coverage
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