Uninsured Motorist Claims
In 2011, the Insurance Research Council estimated that roughly 14% of Rhode Island drivers were on the road with no car insurance. This statistic is slightly higher than the national average of 13%.
While these numbers may not mean much on their face, they have a large impact when you are struck by a vehicle that falls into this 14% with no coverage for your property damage or personal injuries.
Although these uninsured drivers are fined for their lack of mandatory insurance in the State of Rhode Island, this still leaves you, the injured party, without any recourse if you do not have your own uninsured motorist coverage on your policy.
Uninsured/underinsured motorist coverage is not required by the state of Rhode Island, but will be your only recourse in bringing a bodily injury claim if you are hit by a driver of an uninsured vehicle.
It is important to note that your auto insurance premium will not necessarily increase if you bring an uninsured/underinsured motorist claim against a driver deemed at fault. In order to protect yourself, and as a licensed RI Attorney, I would encourage all drivers to carry this coverage on their auto insurance policy.
Remember to subscribe to our blog for updates on personal injury law and cases in Rhode Island and Massachusetts, and if you need a Personal Injury Attorney to represent you, contact Karns & Kerrison now at (888) 281-3100.