RI
Rhode Island Insurance Regulations
Consumer rights and insurance laws in Rhode Island
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 and property damage
- 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.
Rhode Island Department of Business Regulation
Insurance Commissioner: Elizabeth Kelleher Dwyer
Phone: (401) 462-9520
Website: https://dbr.ri.gov/divisions/insurance/
File a Complaint: Consumer Complaint Portal
Insurance Claim Guides for Rhode Island
Browse our detailed insurance claim guides tailored specifically to Rhode Island laws and regulations.
Auto Insurance Claims in Rhode IslandHome Insurance Claims in Rhode IslandHealth Insurance Appeals in Rhode IslandInsurance Denial Letter Templates in Rhode IslandDemand Letter Guide in Rhode IslandInsurance Settlement Calculator Guide in Rhode IslandDiminished Value Claims in Rhode IslandTotal Loss Dispute Guide in Rhode IslandBad Faith Insurance Claims in Rhode IslandUnderinsured Motorist Claims in Rhode IslandUninsured Motorist Claims in Rhode IslandRental Car Insurance Coverage in Rhode IslandGAP Insurance Claims in Rhode IslandInsurance Subrogation Explained in Rhode IslandPIP (Personal Injury Protection) Guide in Rhode IslandBodily Injury Claims in Rhode IslandProperty Damage Claims in Rhode IslandLiability Claim Process in Rhode IslandComprehensive Insurance Claims in Rhode IslandCollision Insurance Claims in Rhode IslandFlood Insurance Claims in Rhode IslandFire Insurance Claims in Rhode IslandTheft Insurance Claims in Rhode IslandVandalism Insurance Claims in Rhode IslandAuto Glass Insurance Claims in Rhode IslandHail Damage Insurance Claims in Rhode IslandWind Damage Insurance Claims in Rhode IslandWater Damage Insurance Claims in Rhode IslandMold Insurance Claims in Rhode IslandRoof Damage Insurance Claims in Rhode IslandFoundation Damage Claims in Rhode IslandSinkhole Insurance Claims in Rhode IslandEarthquake Insurance Guide in Rhode IslandHurricane Insurance Claims in Rhode IslandTornado Damage Insurance Claims in Rhode IslandLightning Damage Insurance Claims in Rhode IslandTree Damage Insurance Claims in Rhode IslandFence Damage Insurance Claims in Rhode IslandAppliance Breakdown Claims in Rhode IslandIdentity Theft Insurance Claims in Rhode IslandCyber Insurance Claims in Rhode IslandPet Insurance Claims in Rhode IslandTravel Insurance Claims in Rhode IslandLife Insurance Disputes in Rhode IslandDisability Insurance Claims in Rhode IslandWorkers' Compensation Claims in Rhode IslandLong-Term Care Insurance Claims in Rhode IslandDental Insurance Appeals in Rhode IslandVision Insurance Claims in Rhode IslandPrescription Drug Appeals in Rhode IslandAccident Scene Documentation in Rhode IslandInsurance Adjuster Tactics in Rhode IslandDiminished Value Calculator Guide in Rhode IslandTotal Loss Vehicle Valuation in Rhode IslandPain and Suffering Calculation in Rhode IslandMedical Bills in Auto Claims in Rhode IslandLost Wages Insurance Claims in Rhode IslandFiling a Bad Faith Insurance Lawsuit in Rhode IslandWhen to Hire a Car Accident Lawyer in Rhode IslandInsurance Claim Timeline Guide in Rhode IslandIndependent Vehicle Appraisal Guide in Rhode IslandAppraisal Clause in Auto Insurance in Rhode IslandDiminished Value by State in Rhode IslandTotal Loss Threshold by State in Rhode IslandRental Car After an Accident in Rhode IslandYour Rights During Car Repairs in Rhode IslandOEM Parts in Insurance Claims in Rhode IslandInsurance Negotiation Tactics in Rhode IslandDemand Package for Auto Claims in Rhode IslandCommon Insurance Claim Denial Reasons in Rhode IslandStatute of Limitations for Auto Claims in Rhode IslandFiling Claims in No-Fault States in Rhode IslandAt-Fault Accident Claims in Rhode IslandComparative Negligence in Claims in Rhode IslandUninsured Motorist Property Damage in Rhode IslandHit and Run Insurance Claims in Rhode IslandParking Lot Accident Claims in Rhode IslandRideshare Accident Insurance Claims in Rhode IslandCommercial Vehicle Accident Claims in Rhode IslandDeer Collision Insurance Claims in Rhode IslandFlood Car Damage Claims in Rhode IslandCatalytic Converter Theft Claims in Rhode IslandCar Break-In Insurance Claims in Rhode IslandTire Blowout Accident Claims in Rhode IslandPothole Damage Insurance Claims in Rhode IslandHail Damage Car Claims in Rhode IslandHow to Review Your Auto Insurance Policy in Rhode IslandAuto Insurance Coverage Gaps in Rhode IslandMulti-Vehicle Accident Claims in Rhode IslandDisputing Fault Determination in Rhode IslandFiling an Insurance Commissioner Complaint in Rhode IslandNegotiating Diminished Value Claims in Rhode IslandFighting a Total Loss Declaration in Rhode IslandBodily Injury Settlement Guide in Rhode IslandInsurance Fraud Prevention Guide in Rhode IslandSubstandard Auto Repair Claims in Rhode IslandTotal Loss Buy-Back Process in Rhode IslandInsurance Claims After a DUI in Rhode IslandCommercial Auto Insurance Claims in Rhode IslandStorage Unit Insurance Claims in Rhode Island
Other State Insurance Regulations
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