Rhode Island Affordable Auto Insurance Quotes: Mandatory Coverage
In Rhode Island vehicle owners are required to carry only liability coverage in the following amounts:
- $25,000 bodily injury per person
- $50,000 bodily injury per accident in total
- $25,000 property damage per accident in total.
However, in lieu of different limits for each, vehicle owners can opt for coverage with only one limit.
It is important to note that the liability limits listed above are intended to be minimums only per the state. Anyone and everyone familiar with the insurance industry will tell you that these limits are much too low to be realistic. A serious car accident could quickly surpass these limits. Recommended levels of coverage are $100,000 bodily injury per person; $300,000 bodily injury per accident; and $100,000 property damage per accident.
Rhode Island Affordable Auto Insurance Quotes: Recommended Coverage
In addition to these higher levels of liability, there are several other types of insurance coverage that are prudent to carry. Uninsured motorist is one of these. Rhode Island is ranked 9th in the country for its percentage of uninsured motorists on the road. A very significant 17.6% of drivers in the small state are estimated to be operating uninsured vehicles. For this reason, the possibility of being involved in an accident with an uninsured driver is very high, so this form of insurance protection is wise to carry.
Personal injury protection, another recommended form of car insurance, covers medical expenses incurred by you and your passengers as a result of a car accident, regardless of fault. Some industry professionals also recommend roadside assistance types of insurance such as towing and labor or rental car reimbursement. If you are considering these, be sure to check if you are already paying for the same coverage through an auto club or credit card.
The other highly recommended coverage is personal property damage. This is comprised of collision, which covers damage from moving accidents, and comprehensive, which covers damage from non-moving incidents. If your vehicle is financed your lender will require you to carry both types. If you do not have a loan on your car, the choice is yours. Vehicle owners often decide based on the value of the vehicle and the cost of the premiums.
