When someone is injured in a serious Rhode Island car accident, they will likely incur significant medical expenses, miss time away from work, and may also experience pain and suffering as a result of the accident. Rhode Island accident victims can pursue a claim against an at-fault driver to recover compensation for these damages.
While a Rhode Island personal injury lawsuit is technically filed against the at-fault driver, the claim will most likely be defended by that driver’s insurance company. In Rhode Island, all drivers and owners must be financially responsible, meaning they must obtain a certain amount of car insurance to cover the costs of a potential accident. Rhode Island uses a fault-based system, under which drivers will obtain insurance coverage to pay for the damages that they cause. This is referred to as liability coverage.
Most Rhode Island car insurance policies contain three parts: liability for bodily injury, liability for property damage, and un/underinsured motorist protection (UIM). As mentioned above, bodily injury liability coverage protects the insured against damages to other people they cause. Similarly, property damage liability coverage pays for damage to property caused by the insured. Notably, both bodily injury and property damage liability will cover damages caused by the insured, up to the policy limit. However, neither covers injuries suffered by the insured.