Rhode Island Code of Regulations
Title 230 - Department of Business Regulation
Chapter 20 - Insurance
Subchapter 05 - Personal Lines - Automobile and Homeowners Insurance
Part 14 - Notice of Material Changes upon Renewal of Personal Motor Vehicle, Homeowner and Residential Fire Insurance (230-RICR-20-05-14)
Section 230-RICR-20-05-14.3 - Definitions

A. "Expiration date" means the date upon which coverage under a policy ends or, for a policy written for a term longer than one (1) year or with no fixed expiration date, each annual anniversary date of such policy.

B. "Insurer" means an individual insurer or an insurance group. For example, if an insured is transferred from one insurer to another within an insurance group, the notice requirements of this regulation apply.

C. "Material Change" means any coverage reductions, elimination or increased deductibles not made at the request of the insured.

D. "Renewal" or "to renew" means the issuance of, or the offer by an insurer to issue, a policy succeeding a policy previously issued and delivered by the same insurer, or the issuance of a certificate or notice extending the term of an existing policy for a specified period beyond its expiration date.

E. "Writing" means any writing including electronic writings if the parties have agreed to conduct the transaction by electronic means in accordance with R.I. Gen. Laws § 42-127.1-1.