Auto insurance can help provide financial protection after an accident or incident causing injuries or damage to property. Depending on your needs, this coverage is highly customizable and may include a mix of mandatory and optional coverages.
What Auto Insurance Is Required In Rhode Island? 
Vehicles registered in Rhode Island must have minimum amounts of liability coverage. This insurance may help pay for third-party accident-related property damage and injuries after an at-fault accident up to the policy’s limits.
As a Rhode Island driver, you must also maintain uninsured/underinsured motorist coverage in an amount equal to your liability coverage. This coverage may help pay for your injuries and property damage if the other driver is at fault but doesn’t have enough liability coverage or is uninsured. It may also provide coverage if you are in a hit-and-run accident.
What Auto Insurance Is Optional In Rhode Island?
Medical payments (MedPay) is an optional coverage that may help pay for funeral and medical expenses for you and your passengers after a covered accident, regardless of who is at fault.
If you finance or lease vehicles, your lienholder typically requires full coverage insurance, which may include comprehensive and collision insurance. This policy may help pay to repair or replace your vehicle after a covered accident or incident.
Your lienholder may also require you to purchase guaranteed asset protection (GAP) insurance which may help pay off your car after a covered accident if the vehicle is a total loss.
There are many endorsements and policies you can use to further customize your coverage, including the following:
- Rental reimbursement coverage
- Replacement cost (RC) insurance
- Auto glass coverage
- Towing and labor coverage
- Ride-sharing coverage
- Classic car insurance
- Sound system coverage
How to Choose the Right Auto Insurance Coverage In Rhode Island
Your agent can help evaluate your situation and offer policies to help protect against common risks and perils. Contact Podmaska Insurance serving the Providence, Rhode Island, area to get personalized quotes for auto insurance.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.