Rhode Island Car Insurance and Tort System

Rhode Island doesn’t have a no-fault system for car insurance. It is a tort state, which means that people who have been injured in a car accident have the right to sue to recover damages. When an accident occurs, one driver is determined to be responsible, and he or she is responsible for paying for compensating those injured in the accident, as well as paying for the cost of repairing the other driver’s vehicle. The at-fault driver is also responsible for looking after repairing other property damaged in the accident, such as light posts, signs, sheds and fences.

The at-fault driver’s insurance policy will pay for the injured person’s medical bills, related expenses and lost wages as a result of the accident. It also pays for funeral expenses if the accident resulted in fatalities.

When buying car insurance in Rhode Island, it’s important that drivers consider the level of coverage they want very carefully. If they happen to be responsible for a serious accident, the minimum level of coverage can be used up very quickly. Any damages not covered by the insurance policy are the at-fault driver’s responsibility to pay personally. A better choice is to buy a policy with a higher limit to provide more protection for the driver’s personal property if an accident occurs.