Rhode Island Insurance Regulations

Overview

Rhode Island Department of Business Regulation oversees insurance through its Insurance Division. Rhode Island follows pure comparative fault, allowing recovery of damages reduced by the claimant's percentage of fault.

Key Insurance Regulations in Rhode Island

• Pure comparative fault — recover regardless of fault percentage
• 3-year statute of limitations for personal injury; 10 years for vehicle property damage (R.I. Gen. Laws § 9-1-13(a))
• Mandatory auto insurance: 25/50/25 minimum liability

Filing an Insurance Complaint in Rhode Island

If you believe your insurance company has acted unfairly or violated Rhode Island insurance laws, you can file a complaint with the Rhode Island Department of Business Regulation. The department investigates consumer complaints and can take enforcement action against insurers that violate state regulations.

Before filing a complaint, make sure you have documented all communication with your insurance company, including claim numbers, dates, and the names of representatives you've spoken with. The Rhode Island Department of Business Regulation typically responds to complaints within 30 days.