Rhode Island Car & Motorcycle Insurance
Required Minimum Bodily Injury Coverage
- In Rhode Island, you can choose between a "split limit" or a "single limit" policy.
- The split limit is $25,000 per person injured in any one accident and $50,000 for all persons injured in any one accident. This also requires a minimum property damage coverage amount of $25,000 for injury to or destruction of property of others in any one accident.
- The single limit is $75,000 per accident for all damages.
Optional Insurance Coverage
- Uninsured Motorist (UM) Coverage. In Rhode Island, UM coverage includes underinsured motorist (UIM) coverage. The amount purchased cannot be less than the required bodily injury minimum. If bodily injury coverage is purchased in an amount greater than that required by law, UM coverage must equal that amount, unless the insured selects a lesser limit in writing. The lesser limit can be less than the bodily injury coverage purchased, but it cannot be less than the bodily injury coverage required.
- Medical Payment Coverage. This optional coverage pays medical expenses for injuries arising out of the ownership, maintenance, or use of a motor vehicle, without regard to fault. If elected, it must be purchased in the minimum amounts of $2,500 per person injured in any one accident and $5,000 for all persons injured in any one accident.
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Please note: State law information collected from LexisNexis™ electronic database in 2005. All of our lawyers are licensed to practice in the state of Pennsylvania. We also have lawyers licensed to practice in Ohio, and West Virginia and we associate with experienced attorneys in other states.
The materials at this web site have been prepared by our Law Firm for information purposes only and should not be construed as legal advice or legal opinion on any specific facts or circumstances. These materials do not, and are not, intended to constitute legal advice. Readers should not act upon this information without seeking professional counsel. The information provided at this site is subject to change without notice. Although we try to keep our site current and accurate, you should not rely on this information or its applicability to any specific circumstances without speaking with an attorney.
