Rhode Island Auto insurance is divided into several different types of coverage:
Liability covers damage to other people’s property and injuries you may cause while operating an automobile.
Collision covers damage to your own vehicle in an accident.
Other-than-Collision covers fire damage to your vehicle, break-ins, vandalism or theft, as well as natural disasters (earthquake, hail, hurricane, flood, etc. – unless the vehicle is overturned, then it is considered a collision).
Medical payments insurance guarantees emergency and related medical payments, usually in the range of $5,000 to $10,000, for you, your passengers and other parties, regardless of who is at fault. It also covers you and members of your household in any accident involving an automobile, whether you are on foot, in a friend’s car, riding a bicycle, etc.
Uninsured motorist (UM) and underinsured motorist (UIM) coverage protects you and your passengers if injured in an accident with drivers carrying insufficient liability coverage.
Extra coverages include expenses for towing, labor, temporary replacement vehicles, etc. These are generally defined as add-ons or endorsements to your policy.