Rhode Island Code of Regulations
Title 230 - Department of Business Regulation
Chapter 20 - Insurance
Subchapter 05 - Personal Lines - Automobile and Homeowners Insurance
Part 2 - Automobile Insurance Cancellation and Renewal Provisions
Section 230-RICR-20-05-2.3 - Definitions

1. "Automobile liability coverage" means coverage of bodily injury and property damage liability, medical payments and uninsured motorist coverages.

2. "Automobile physical damage coverage" means coverage of loss or damage to an automobile insured under the policy except loss or damage resulting from collision or upset.

3. "Automobile collision coverage" means coverage or loss or damage to an automobile insured under the policy resulting from collision or upset.

4. "Chargeable loss occurrence" means a chargeable accident as set forth in § 3.8 of this Subchapter and R.I. Gen. Laws § 27-9-4(b), (d) and (e).

5. "Delivered" or "Delivery" means by the use of regular mail or electronic means if the parties have agreed to conduct the transaction by electronic means in accordance with R.I. Gen. Laws Chapter 42-127.1.

6. "Insurance score" means a number, rating or any categorization that is derived from an algorithm, computer application, model or other process that is based in whole or in part on credit history for the purposes of predicting the future insurance loss experience of an individual applicant or insured.

7. "Non-Chargeable loss occurrence" means any incident which results in any loss payment other than those incidents which fall within the definition of Chargeable Loss Occurrence.

8. "Non-payment of premiums" means failure of the named insured to discharge when due any of his or her obligations in connection with the payment of premiums on a policy of automobile insurance or any installment of such premium, whether the premium is payable directly to the insurer or its agent or indirectly under any premium finance plan or extension of credit.

9. "Policy" means any private passenger automobile policy which includes automobile liability coverage, uninsured motorist coverage, automobile medical payments coverage, or automobile physical damage coverage, delivered or issued for delivery in this state. Provided however, that this Part shall not apply:

10. "Private passenger automobile" means any vehicle insured by a personal automobile insurance policy.

11. "Renewal" or "To renew" means the issuance and delivery by an insurer of a policy superseding at the end of the policy period a policy previously issued and delivered by the same insurer, or the issuance and delivery of a certificate or notice extending the term of a policy beyond its policy period or term.