Insurance coverage.
The car insurance required by Rhode Island law may be in a parent’s name with the teenager as a “named insured,” forcing the parent’s insurer to pay for the costs of the crash. This may be in addition to collecting the $1,500 under Section 9-1-3.
Claims against the minor.
Under the law, parents are jointly and severally liable with their child for causing harm and property damage, so a victim can seek damages from the parent and child collectively, as well as individually. Victims can file a claim again the minor for any unpaid losses not covered by insurance or the claim against the parents. In many cases, minors do not have the funds to cover these costs, forcing the parents to assume liability.
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