Rhode Island Insurance Adjuster Exam

When can the deductible be waived on a Rhode Island Uninsured Motorist Property Damage claim?

1. In all accidents

2. Only for parked vehicles

3. When hit in a rear-end collision

4. When the vehicle is stolen

The correct answer is: In all accidents

The deductible can be waived on a Rhode Island Uninsured Motorist Property Damage claim when the criteria established by the Rhode Island law is met, which includes the relevant circumstances of the accident and the nature of the claims being made. While some options suggest specific scenarios like parked vehicles, rear-end collisions, or theft, these situations do not universally apply to the waiver of the deductible under the state law. In fact, the waiver in Rhode Island is generally broader and applies in situations where the other party involved in the accident is uninsured, allowing for the deductible to be waived for claims across various types of accidents. This means that any accident involving an uninsured driver can qualify for the waiver regardless of how the incident occurred, emphasizing the importance of having unprotected motorists share the financial responsibilities for damages.