AN ACT RELATING TO INSURANCE -- UNFAIR CLAIMS SETTLEMENT PRACTICES ACT

Summary

The bill amends Rhode Island’s Unfair Claims Settlement Practices Act to forbid many insurer actions, especially in auto insurance claims. It requires prompt communication, use of industry‑standard repair manuals, specific appraisal timelines, and limits insurers from declaring a vehicle a total loss unless repair costs exceed a set percentage of its fair market value. The changes affect insurers, policyholders, claimants, auto repair shops and public adjusters.

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