Bill > S0985

This bill modifies Rhode Island's insurance law by clarifying property damage coverage for rental vehicles under private passenger automobile insurance policies. Specifically, the bill stipulates that property damage coverage for rental motor vehicles (under 10,000 pounds) will only extend to the named insured and drivers explicitly listed on the private insurance policy, or to their designated drivers, unless those designated drivers are specifically excluded from the policy. The coverage remains valid for up to 60 consecutive days and applies to both collision and comprehensive types of losses. The bill also maintains existing provisions requiring insurance companies to provide coverage for rental vehicle loss of use and mandating that at-fault carriers extend coverage for an additional seven days after a total loss property damage check is issued. The changes aim to provide more precise guidelines about who can be covered under a private vehicle insurance policy when renting a motor vehicle, potentially limiting broader interpretations of coverage that might have existed previously. The act will take effect immediately upon its passage.

Justice

https://status.rilegislature.gov/