# Rhode Island S3115: AN ACT RELATING TO INSURANCE -- UNFAIR CLAIMS SETTLEMENT PRACTICES ACT . Rhode Island S3115, AN ACT RELATING TO INSURANCE -- UNFAIR CLAIMS SETTLEMENT PRACTICES ACT ., is a 2026 Regular Session Senate bill sponsored by Hanna M. Gallo (Democratic); status became law, last action 2026-06-26 (Effective without Governor's signature — Chapter 286); PRIA reads it as touching household money (as of 2026-11-01). - Canonical: https://policyrisk.com/state-bill/RI-S3115-2026 - As of: 2026-11-01 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: Rhode Island S3115 - State: Rhode Island - Session: 2026 Regular Session - Title: AN ACT RELATING TO INSURANCE -- UNFAIR CLAIMS SETTLEMENT PRACTICES ACT . - Status: became law - Chamber: Senate - Introduced: 2026-03-13 - Last action: 2026-06-26, Effective without Governor's signature — Chapter 286 - Sponsor: Hanna M. Gallo (Democratic) - Cosponsors: 1 - Touches household money: yes - Roll calls: 2 (99 yes, 9 no in all) - Economic provisions PRIA read: 5 ## Summary No summary available. ## Bill overview: provisions PRIA read - Clear rules for totaled car payouts: benefit, high. An insurer can label a car a total loss only if repair costs are at least 85% of its pre-damage retail value. You may request total-loss treatment when repair costs are 75% to under 85% of that value. Insurers must use a current national retail value guide. If the insurer does not keep the salvage,… - Direct pay to adjusters and shops: benefit, medium. If you sign a direction-to-pay, your insurer must pay your chosen licensed auto body shop directly. For property restoration work, the insurer must pay your licensed contractor directly for up to $5,000. If you hire a licensed public adjuster and sign a direction-to-pay letter, the insurer must pay… - Fair appraisals and pay for car repairs: benefit, medium. For Rhode Island–registered cars repaired in Rhode Island, these rules apply no matter where the policy was issued. If damage is over $2,500, a licensed, unaffiliated appraiser must inspect the car in person. The insurer’s appraiser must schedule quickly and do the first appraisal within 3 business… - Faster, fairer insurance claim handling: benefit, medium. The law strengthens claim handling. Insurers must answer your claim within 30 days unless you agree to more time. They must give needed claim forms within 10 days, explain any denial or low offer, and say which coverage each payment uses. They cannot misrepresent policy terms, lowball you to force… - Rental car choice and extended coverage: benefit, medium. Insurers cannot pressure you to use a certain rental company. If you give a direction to pay, the insurer must pay your chosen licensed rental company directly. If the insurer causes delays, it must extend rental coverage for the length of the delay. Rental companies must be licensed under section… ## Sponsors and cosponsors - Sponsor: Hanna M. Gallo (Democratic), Senate - Cosponsor: Frank A. Ciccone, III (Democratic), Senate ## Roll call votes | Date | Chamber | Motion | Result | Yes | No | Other | | --- | --- | --- | --- | --- | --- | --- | | 2026-06-09 | House | CLAIMS SETTLEMENT PRACTICES ACT PASSAGE IN CONCURRENCE | pass | 66 | 4 | | | 2026-06-03 | Senate | RELATING TO INSURANCE -- UNFAIR CLAIMS SETTLEMENT PRACTICES ACT Passage | pass | 33 | 5 | | ## Actions (14) - 2026-06-26: Effective without Governor's signature — Chapter 286 (Governor) - 2026-06-18: Transmitted to Governor (Governor) - 2026-06-09: House passed in concurrence (House) - 2026-06-08: Placed on House Calendar (06/09/2026) (House) - 2026-06-08: Committee recommends passage in concurrence - 2026-06-06: Scheduled for consideration (06/08/2026) - 2026-06-04: Referred to House Corporations (House) - 2026-06-03: Senate read and passed (Senate) - 2026-05-29: Placed on Senate Calendar (06/03/2026) (Senate) - 2026-05-28: Committee recommends passage - 2026-05-26: Scheduled for consideration (05/28/2026) - 2026-05-21: Committee recommended measure be held for further study - 2026-05-15: Scheduled for hearing and/or consideration (05/21/2026) - 2026-03-13: Introduced, referred to Senate Judiciary (Senate) ## Bill text - S3115 - As Introduced, 2026-03-13: [HTML](https://webserver.rilegislature.gov/BillText26/SenateText26/S3115.htm), [PDF](https://webserver.rilegislature.gov/BillText26/SenateText26/S3115.pdf) ## Related bills - S3363: AN ACT RELATING TO TAXATION -- PROPERTY SUBJECT TO TAXATION . (became law) - S3353: JOINT RESOLUTION MAKING AN APPROPRIATION TO PAY CERTAIN CLAIMS . (became law) - S3337: AN ACT RELATING TO TAXATION -- PROPERTY SUBJECT TO TAXATION . (became law) - S3333: AN ACT RELATING TO THE NORTH TIVERTON FIRE DISTRICT . (became law) - S3315: AN ACT RELATING TO TAXATION -- LEVY AND ASSESSMENT OF LOCAL TAXES . (became law) - S3293: AN ACT RELATING TO TAXATION -- PROPERTY SUBJECT TO TAXATION . (became law) ## Sources - [S3115 - As Introduced (HTML)](https://webserver.rilegislature.gov/BillText26/SenateText26/S3115.htm) - [S3115 - As Introduced (PDF)](https://webserver.rilegislature.gov/BillText26/SenateText26/S3115.pdf) ## Related - [S3363: AN ACT RELATING TO TAXATION -- PROPERTY SUBJECT TO TAXATION .](https://policyrisk.com/state-bill/RI-S3363-2026) - [S3353: JOINT RESOLUTION MAKING AN APPROPRIATION TO PAY CERTAIN CLAIMS .](https://policyrisk.com/state-bill/RI-S3353-2026) - [S3337: AN ACT RELATING TO TAXATION -- PROPERTY SUBJECT TO TAXATION .](https://policyrisk.com/state-bill/RI-S3337-2026) - [S3333: AN ACT RELATING TO THE NORTH TIVERTON FIRE DISTRICT .](https://policyrisk.com/state-bill/RI-S3333-2026) - [S3315: AN ACT RELATING TO TAXATION -- LEVY AND ASSESSMENT OF LOCAL TAXES .](https://policyrisk.com/state-bill/RI-S3315-2026) - [S3293: AN ACT RELATING TO TAXATION -- PROPERTY SUBJECT TO TAXATION .](https://policyrisk.com/state-bill/RI-S3293-2026) - [Rhode Island bills](https://policyrisk.com/states/rhode-island/bills) - [Rhode Island state hub](https://policyrisk.com/states/rhode-island) - [All state legislation](https://policyrisk.com/state-bills) Source: PRIA, https://policyrisk.com/state-bill/RI-S3115-2026 (as of 2026-11-01).