Reader’s Question:
What are the required auto insurance policies in the State of Rhode Island?
Jared
Providence, RI
Rhode Island has made it compulsory for drivers to auto insurance policies with minimum liability coverage of 25/50/25. This coverage extends $25,000 for treatment of injuries that the insured inflicted to one person at any one accident, while a maximum of $50,000 is for hospitalization and rehabilitation to all the individuals in the other car. Additionally, $25,000 pays for any destroyed property at the time of the car crash.
Rhode Island is very strict in the implementation of this law. Failure to follow this required auto insurance not only leads to possible revocation of license and payment of statutory fines, but also incarceration for 2 years. Every motorist has to carry their proof of insurance whenever driving. This can be in the form of the policy itself or an insurance identification card. If a law enforcement officer asks for this proof and a motorist is unable to provide one, the driver will be given ten days to furnish the Department of Motor Vehicle with the documentation. If in ten days, the driver was not able to provide the asked-for papers, then suspension of license will follow. Filing of future proof of insurance or the SR22 needs to be accomplished. Also, payment of administrative fines and surcharge fees will also be done to have the driving privileges restored. Additionally, the driver will be required to carry the proof of insurance for 3 years, or his or her driver’s license will be cancelled.
Tags: auto insurance policy, DMV, liability insurance, sr22 car insurance, sr22 insurance