Auto Insurance
Auto insurance is a legal requirement for motorists who drive in Rhode Island. Such coverage is also important in ensuring your financial security. Find the protection you deserve with a policy from The Agency Paiva LLC.
Auto Insurance Requirements in Rhode Island
Rhode Island is an "at fault" state, which means that the motorist deemed responsible for an accident is also liable for damages. Accordingly, motorists must carry a minimum amount of coverage and have with them when driving proof that they are insured. Those driving without coverage face fines and the suspension of their driving privileges. The minimum requirements are as follows:
- $25,000 for coverage of property damage
- $25,000 bodily injury for each person
- $50,000 bodily injury for each accident
Seeking Additional Coverage
The liability insurance required by law in Rhode Island is designed to cover damages when you are to blame for an accident. Bodily injury damages will also extend to lost wages and the pain and suffering of other accident victims. However, this coverage does not extend to injuries and damage suffered on your side of an accident. The minimum requirements may not be sufficient to satisfy the needs of any motorist. We offer policies that can provide additional coverage. Additional coverage may include the following:
- Collision coverage to pay for damage to your vehicle
- Comprehensive coverage for any harm inflicted to a vehicle not suffered in a traffic accident, such as vandalism and storm damage
- Coverage when involved with a motorist who is not adequately insured
The Need for Adequate Coverage
Even the best drivers make mistakes, and one accident can be devastating from both a personal and a financial standpoint. This is why you need the protection that is only possible with a policy from The Agency Paiva LLC.
