File a claim with the other driver’s insurance company.
Rhode Island follows a fault-based system for car accident injuries, meaning the at-fault driver’s insurance company is responsible for all injuries and damages for everyone involved in the crash. If the other driver’s insurer refuses to pay for some or all of your costs, you may need an attorney to help get compensation.
Contact your own insurance company.
Rhode Island law requires all auto insurance providers to offer uninsured/underinsured motorist (UM) coverage. If you have purchased UM coverage, you have the potential to recover damages if the at-fault driver’s insurer refuses to pay, if the driver who struck you does not have enough insurance to cover the damage, or you were injured by a hit-and-run driver. If your insurance company is able to recover these costs from the at-fault insurance company, you may be able to argue against any rising premiums or deductible costs on your end.
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