Liability insurance is required for all drivers in the state of Rhode Island. This insurance covers the injuries and damage you cause in an accident you were at fault for. It's important to note that your liability insurance policy will never cover your injuries or damage to your property. Read on to learn the details of Rhode Island's auto insurance rules, how coverage is likely to affect a car accident case, and the types of penalties you can expect if you drive uninsured in the state.
This means that the person who was at fault for causing the car accident is also responsible for any resulting damage (from a practical point of view, the at-fault driver's insurance company will absorb these losses, up to the limits of the policy). Because auto insurance is required by law in the state of Rhode Island, not having a policy can have serious consequences. In Rhode Island, as in every state, car insurance will surely play an important role in any claim filed after a traffic accident. In some states, your vehicle can be towed and you can't claim it until you present proof of insurance.
It is highly recommended to increase coverage limits and use policy add-ons when purchasing car insurance. If you have an auto loan or lease your vehicle, your lender or leasing company may require you to have additional auto insurance. Not having car insurance in many states can make you a high-risk driver when buying car insurance. The terms, definitions and explanations of insurance are for informational purposes only and do not replace or modify in any way the definitions and information contained in the individual pages of contracts, policies or insurance statements, which are decisive.
The consequences of driving without insurance exceed the monthly insurance premium and may result in the following penalties. After a car accident in a no-fault state, you must use the personal injury protection coverage of your own auto insurance policy to pay for medical bills and other losses out of pocket, regardless of who caused the accident. If you can't drive your car because of a covered loss, this coverage helps pay for a car rental or other transportation expenses so you can get back on the road. Of course, these penalties are likely to pale in comparison to the financial impact you could suffer if you were in a car accident and didn't have car insurance.
While you must have car insurance to comply with the law, you shouldn't get the minimum amount required by the state just because you have something. Some car insurance qualifying factors, such as your driving history, can significantly affect your insurance costs.