Auto Insurance In Rhode Island
Many people like to travel throughout the United States, including by train, by plane, and by car. Road trips were a popular pastime in history and even today, many individuals choose to make the most of their vacation by getting in a car with a couple of friends and heading out on the wide open roads. Whether you go west or east, north or south, there are plenty of places to travel in the USA and many exciting tourist spots to visit. The Grand Canyon, Washington DC, the old southern plantations, or even the Great Lakes have provided great spots for people to sneak away for a great time of vacation. One state that is often traveled to for vacation is the small state of Rhode Island, housing around 1,068,000 people. Whether you are thinking of traveling there to visit the beautiful lighthouses and grand old mansions, or whether you already live in this scenic state, there are probably a few things that you need to learn about auto insurance in Rhode Island. Before your knowledge gets tested to the extent, brush up your memory with a quick read-through of this vital information.
Proving You Have Auto Insurance in Rhode Island
Most, if not all, of the states within the United States have some kind of requirement regarding proving the extent of your insurance coverage. This is true in Rhode Island as well. If a police officer pulls you over at any time and you do not have your insurance card in your vehicle, you can be fined, have traffic tickets put on your card, or even have your license suspended. On the other hand, if you can provide proof within 10 days that you have auto insurance in Rhode Island, then your penalties will be forgiven you. If you are pulled over as a result of an accident or failure to obey another law, then you can be fined up to $500 and your license may be suspended for up to three months. Your insurance company is responsible for notifying the DMV if you stop your insurance policy or fail to pay it at any time. After this notification, you are flagged within their system and this information will come up when they try to find you in the computer.
Buying Auto Insurance in Rhode Island
When you search for auto insurance in Rhode Island, you will want to be sure of the minimum requirements. The state of Rhode Island follows a 25/50/25 policy. This means that you must have coverage of at least $25,000 for one person in an accident, with up to $50,000 for a group of people in an accident. You also must have coverage for up to $25,000 worth of property damage. This amount of money is for each accident and is not a combined total of all the accidents that you may sustain. Rhode Island also requires something called Underinsured or Uninsured Motorist Protection. The limits for this are 25/50, with coverage of at least $25,000 for one person in an accident and up to $50,000 coverage for a group of people. This coverage is to help cover you in case of an accident when the person responsible does not meet the insurance requirements. Another type of plan that many have found to be helpful is Personal Injury Protection, which also covers you in case of an accident. The state of Rhode Island follows the tort system, which means that one person must be found responsible for the accident and that one person must, as a result, pay for the costs of the accident.
Comparisons to Auto Insurance in Rhode Island
The residents of Rhode Island on average pay a little more for their annual insurance premiums than the national average, partly due to few large cities. With the national average at $1,800, the state of Rhode Island stood at $2,260 in 2009. The law allows for cell phone use while driving, but prohibits the driver from having any open containers of alcohol. If you would like to get a free quote for auto insurance in Rhode Island, simply enter your zip code at the top of the page.