Rhode Island law
Insurance Disputes Laws in Rhode Island.
Rhode Island insurance law includes the Unfair Claims Settlement Practices Act provisions (R.I. Gen. Laws § 27-9.1-1 et seq.). Rhode Island recognizes common-law bad faith based on breach of the implied covenant of good faith and fair dealing. Punitive damages available for particularly egregious conduct. Rhode Island Department of Business Regulation, Insurance Division regulates insurers. Rhode Island auto insurance is tort-based with mandatory minimum liability coverage.
Last verified: 2026-04-17
State law
Key Rhode Island Statutes
Enumerates specific unfair claim settlement practices. Private cause of action available for violations.
Rhode Island recognizes first-party insurance bad faith based on breach of the implied covenant of good faith and fair dealing. Consequential damages beyond policy limits available; punitive damages in egregious cases.
Rhode Island requires UM/UIM coverage at minimum limits matching liability (25/50/25). May be rejected in writing.
State law
Official Sources
Not Legal Advice
This page summarizes publicly available statutes and rules for informational purposes only. It does not constitute legal advice, and no attorney-client relationship is created by viewing this content. Laws change — always verify with the primary source or consult a licensed attorney in Rhode Island.
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