What Happens when a Negligent Driver in Providence is Either Underinsured or has No Insurance?
What do you do if you suffer an automobile accident injury in Providence and want to make a claim with the negligent driver’s insurance company for either property damage to your vehicle, bodily injury, or both, but find out that the negligent driver either is underinsured or has no insurance?
To begin with, Providence auto accident lawyer Raymond A. Pacia explains Rhode Island mandates certain levels of auto insurance coverage before you are allowed to drive on state roads and highways. You are also required to provide proof of insurance before you can license your vehicle or renew your driver's license. Although coverage is mandatory, the amount and kinds of coverage can vary.
Minimum levels of automobile insurance
In Rhode Island, the minimum levels of automobile insurance coverage are:
- $25,000 in bodily injury liability for one person
- $50,000 in bodily injury liability for multiple persons
- $25,000 for property damage coverage
With this type of insurance, if you are to blame for an auto accident in Providence, your liability insurance will pay the other driver for property damage and personal injuries up to your policy's limits. Likewise, if you are not at fault, the other driver's liability insurance pays for your car damage and personal injuries.
However, in many cases, damages may exceed policy limits or, for whatever reason, the negligent motorist might not have any insurance. That is why the state of Rhode Island mandates that you purchase uninsured or underinsured motorist protection. With this policy, you will be able to file against your own insurance company for uninsured or underinsured claims if you are involved in an auto accident in Providence.
Free initial consultation and interview
The law firm of Raymond A. Pacia has successfully represented many victims who suffered an automobile accident injury in Providence. An experienced Providence car accident attorney in our firm can explain, in detail, your rights and what you need to do if you are in an automobile accident with a driver who is either uninsured or underinsured. Call us at 1-401-RA-PACIA (1-401-727-2242) or toll free at 1-800-933-0390.
Translators available in all languages. Free Notary Public services. References furnished upon request
