Rhode Island Code of Regulations
Title 230 - Department of Business Regulation
Chapter 20 - Insurance
Subchapter 05 - Personal Lines - Automobile and Homeowners Insurance
Part 3 - Automobile Insurance Rating
Section 230-RICR-20-05-3.8 - Chargeable Accident

1. The accident occurred more than three (3) years prior to the effective date of the policy;

2. The property damage claim payment made as a result of an accident occurring before January 1, 2020, was less than one thousand five hundred dollars ($1,500) or the property damage claim payment made as a result of an accident occurring on or after January 1, 2020, was less than three thousand dollars ($3,000);

3. The automobile involved in the motor vehicle accident was legally parked and unattended at the time of the damage;

4. The insured covered by that policy is fifty percent (50%) or less at fault;

5. The owner or operator has received at least fifty percent (50%) reimbursement from the other driver involved in the automobile accident;

6. The individual has received a judgment in a court of law against the other owner or operator involved in the accident for at least fifty percent (50%) of the loss incurred;

7. There has been a determination by a law enforcement agency that the damage inflicted on the owned or operated vehicle was done by an individual operating a stolen vehicle whether or not that individual was apprehended;

8. The operator or owner of the other vehicle involved in the automobile accident with the insured vehicle has had his license and/or registration suspended by action of the Division of Motor Vehicles for failing to satisfy financial responsibility requirements;

9. The loss or incident involved a bus driver, while in the course of his or her employment for the Rhode Island Public Transit Authority or private or municipal school bus companies;

10. The loss involved a law enforcement officer, while in the course of his or her employment for the state, city, or town police departments;

11. The loss or incident involved a commercial vehicle driver, defined as the driver of a motor vehicle with a gross weight in excess of ten thousand (10,000) pounds or a motor vehicle used for public livery, while in the course of his or her employment, or

12. The loss or incident involved the operator of an emergency vehicle falling within the scope of R.I. Gen. Laws § 45-19-17.