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Rhode IslandS26332026 Regular SessionSenateWALLET

AN ACT RELATING TO INSURANCE -- LIABILITY INSURANCE -- UNINSURED MOTORIST COVERAGE .

Sponsored By: David P. Tikoian (Democratic)

Signed by Governor

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Bill Overview

Analyzed Economic Effects

3 provisions identified: 1 benefits, 0 costs, 2 mixed.

Drivers get higher default uninsured injury coverage

For vehicles registered or mainly garaged in Rhode Island, auto policies must include uninsured motorist injury coverage equal to your liability limits. The coverage cannot be below the state minimum. You can choose lower limits in writing. If you buy only the state minimum, you can reduce this coverage to $0 only after signing a state‑approved advisory notice. The coverage also applies if the at‑fault driver’s insurer is insolvent. At renewal and other policy changes, your insurer must tell you that higher uninsured/underinsured limits are available, and you can ask in writing to increase your coverage.

Easier uninsured claims and higher payout rights

You do not have to sue the at‑fault driver before making a claim with your insurer for uninsured or underinsured coverage. If your insurer consents to you releasing the at‑fault driver, you still keep your claim against your underinsurance carrier. If you paid separate uninsured motorist premiums for more than one vehicle or policy with the same insurer, you can collect up to the total of those coverages. If your insurer recovers money from a third party, it must first repay your deductible share, minus your portion of recovery costs. If your insurer pays your underinsured claim, it can seek repayment from the underinsured driver or that driver’s insurer.

Property damage added to underinsured coverage

Underinsured motorist coverage now includes property damage, not just injuries. You can reject uninsured property‑damage coverage in writing. If you already have collision, the insurer does not provide uninsured property‑damage coverage unless you choose to buy it. Uninsured property‑damage collision claims have a $200 deductible per claim unless you and the insurer agree to a different amount. Your claim must include the at‑fault driver’s name, address, and enough information to show they had no insurance. The insurance commissioner sets the price for this coverage as a percent of the common collision rate used by most companies.

Sponsors & Cosponsors

Sponsor

  • David P. Tikoian

    Democratic • Senate

Cosponsors

  • Frank A. Ciccone, III

    Democratic • Senate

Roll Call Votes

All Roll Calls

Yes: 97 • No: 5

House vote • 6/8/2026

LIABILITY-UNINSURED MOTORIST PASSAGE IN CONCURRENCE

Yes: 59 • No: 5

Senate vote • 6/3/2026

INSURANCE -- LIABILITY INSURANCE -- UNINSURED MOTORIST COVERAGE Passage

Yes: 38 • No: 0

Actions Timeline

  1. Signed by Governor — Chapter 389

    6/19/2026Governor

  2. Transmitted to Governor

    6/16/2026Governor

  3. House passed Sub A in concurrence

    6/8/2026House

  4. Placed on House Calendar (06/08/2026)

    6/5/2026House

  5. Senate passed Sub A

    6/3/2026Senate

  6. Placed on Senate Calendar (06/03/2026)

    5/29/2026Senate

  7. Committee recommends passage of Sub A

    5/28/2026

  8. Proposed Substitute

    5/27/2026

  9. Scheduled for consideration (05/28/2026)

    5/26/2026

  10. Committee recommended measure be held for further study

    3/3/2026

  11. Scheduled for hearing and/or consideration (03/03/2026)

    2/27/2026

  12. Introduced, referred to Senate Judiciary

    2/13/2026Senate

Bill Text

  • S2633 - As Introduced

    2/13/2026

    HTMLPDF

  • S2633 - Substitute

    2/13/2026

    HTMLPDF

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