Rhode Island Motor Vehicle Accident Settlement Calculator

You have 3 years to file suit in Rhode Island, a deadline that is in line with the national average of 2.8 years. This is a standard timeframe, but acting sooner preserves evidence and strengthens your position. Rhode Island does apply a discovery rule, which can adjust the starting point of the limitations period when the injury was not immediately discoverable.

Rhode Island requires all drivers to carry minimum liability insurance of $25K per person / $50K per accident in bodily injury coverage and $25K in property damage coverage (commonly written as 25/50/25). These minimums are below the national average, meaning many drivers in Rhode Island may carry only enough insurance to cover a fraction of the costs from a serious accident. Rhode Island does not require uninsured motorist coverage, leaving you potentially unprotected if the at-fault driver has no insurance. Purchasing UM/UIM coverage is strongly recommended.