Does Rhode Island allow UM/UIM stacking?

Yes, where you paid separate premiums. Whenever an insured has paid two or more separate premiums for uninsured motorist coverage in a single policy, or under several policies with the same insurance company, the insured may collect up to the aggregate amount of coverage for all of the vehicles insured, regardless of any language in the policy to the contrary (R.I. Gen. Laws 27-7-2.1(i)).

Is UM or UIM required in Rhode Island?

UM coverage must be provided in an amount equal to your bodily injury liability limits, but a named insured may select lower limits in writing, never below the compulsory minimum, and in the minimum-coverage case may reduce it to zero after signing an advisory notice (R.I. Gen. Laws 27-7-2.1(a)).

Is there separate underinsured coverage?

No. The term uninsured motorist includes an underinsured motorist: one who carries liability coverage less than the limits or damages the insured is legally entitled to recover (R.I. Gen. Laws 27-7-2.1(g)).

What if I was partly at fault?

Your damages are reduced in proportion to your negligence, and fault never bars recovery (R.I. Gen. Laws 9-20-4).

How long do I have to sue?

Actions for injuries to the person must be commenced within 3 years (R.I. Gen. Laws 9-1-14(b)). A person under 18 when the claim accrues may bring it within that time after turning 18 (9-1-19).

Rhode Island UM/UIM Stacking Calculator

Rhode Island treats an underinsured driver as uninsured, and lets you collect the aggregate UM limits of all insured vehicles whenever you paid two or more separate premiums, regardless of policy language. Enter your limits, damages and the other driver's payment to see the stacked and single-limit results.

Cited to R.I. Gen. Laws 27-7-2.1 FigureMyTax Editorial Team Free · no sign-up

By the FigureMyTax Editorial Team · How we calculate

Estimate your UM/UIM benefits

Enter your policy limits, your damages and what the other driver's coverage paid.

UM/UIM limit per person on the policy covering the vehicle you were in

UM/UIM limit per person on another insured vehicle, under the same policy or another policy with the same insurer (enter 0 if none)

Does your policy include UM/UIM coverage?

Did you pay two or more separate premiums for UM coverage?

Your total damages (medical bills, lost income, pain and suffering)

Who caused the accident?

Liability coverage per person carried by the at-fault driver (underinsured claims only)

Amount the at-fault driver's liability insurer actually paid you (underinsured claims only)

How does your UIM treat the at-fault driver's coverage?

Your own percentage of fault, if any (0 if none; fault reduces damages but never bars recovery)

Estimated result

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See what you keep after liens →

Rhode Island treats an underinsured driver as uninsured and aggregates UM limits across vehicles when you paid separate premiums, whatever your policy says

Rhode Island's rules are in R.I. Gen. Laws 27-7-2.1: subsection (g) defines underinsured and subsection (i) is the stacking rule. Fault is in 9-20-4 and the deadline in 9-1-14.

Read how stacked and single-limit coverage differ in Rhode Island, check what section 27-7-2.1 says, or see how Rhode Island UM covers underinsured drivers.

Injured in Rhode Island?

A local personal injury attorney can review your claim — many offer a free consultation.

Talk to a Rhode Island attorney

This is an estimate for general guidance only and is not legal advice. Figures are based on the cited Rhode Island statutes. Confirm how these rules apply to your specific case with a licensed Rhode Island attorney.

Rhode Island UM/UIM Stacking Calculator

Estimate your UM/UIM benefits

Rhode Island treats an underinsured driver as uninsured and aggregates UM limits across vehicles when you paid separate premiums, whatever your policy says

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