Rhode Island is an “at-fault,” “fault,” or “tort” state for car accidents. That means that the one who caused the crash is the one who pays for damages. To collect injury compensation, accident victims typically file claims with the at-fault driver’s insurance provider.
Rhode Island is among a dozen or so states that use the “pure comparative fault” rule to determine car accident compensation. Fault is divided among all those involved in the crash and their injury compensation is reduced by their percentage contribution to the accident. For example, if an accident victim caused 10 percent of a crash, was awarded $100,000, the number of damages they could collect would be rescued by 10 percent to $90,000. Unlike most states, Rhode Island does not set a bar for claim eligibility. A person can be 99 percent at fault in a crash and still file a claim for 1 percent of their damages.