Driving without insurance in Rhode Island is a misdemeanor. If caught, you can face fines of up to $1,000 and have your license and registration suspended for up to one year. You will also need to pay fees to get your license and registration reinstated, and these fees can add up to more than $600. In other words, it’s just not worth it.
Despite these penalties, however, an estimated 15.2% of all drivers in this state are operating uninsured vehicles. This is higher than the national average rate of 13.0%.
If you are in an accident that was caused by an uninsured driver, that person is responsible for covering your damage and any related medical bills. However, if the uninsured driver simply doesn’t have the funds available, you may be forced to hire a lawyer and take legal action just to collect a fraction of what is due to you.
That is why uninsured motorist coverage can prove so beneficial. This mostly optional coverage can pay for your vehicle repairs and medical expenses if you are in an accident and the at-fault driver is uninsured or underinsured. It also covers damage caused by hit-and-run drivers. Your insurance company will then take on the time-consuming responsibility of trying to collect the money owed by the at-fault driver.