Rhode Island mandates the type of auto insurance policy and minimum amounts motorists must carry to legally drive. While it may be tempting to just purchase what the state requires, in many cases, these limits aren’t enough to make you whole after an accident. Our agents at The Slocum Agency in Warwick, RI offer a variety of auto insurance policies to make sure your vehicle is fully covered.
Minimum auto insurance in Rhode Island
Drivers in Rhode Island must secure minimum amounts of bodily injury and property damage liability insurance. Liability insurance covers other drivers’ injuries or property damage if you get into an accident that is your fault. You must also purchase uninsured motorist coverage, which protects you and your vehicle in case of a hit-and-run accident. It also covers you in case the other person doesn’t have insurance or doesn’t have enough to cover the damage the accident caused.
Why you need more auto insurance coverage
The first reason is stated above—if you get into an accident that isn’t your fault and the other driver doesn’t have enough insurance to cover the entire cost of damages, you’ll get stuck with the bill. Upping your coverage costs to a level above the state minimum helps with this. State-mandated insurance also doesn’t cover damage to your car if you’re not in an accident. This includes damage from snowstorms and vandalism. Adding a comprehensive insurance plan will cover these types of incidents.
You don’t need to worry about whether your car is fully covered when you purchase a policy from The Slocum Agency. We offer policies to motorists in Warwick, RI, and surrounding areas. You can get an online quote on your auto insurance by using our free tool, or call our office to learn more about the policies we offer.