Many states require individuals to maintain at least minimum liability limits as a requirement of compulsory auto insurance. Rhode Island requires all motorists to have  minimum liability of $25,000 for one person and $50,000 for two persons.  While many individuals purchase the minimum limits, when they get into an auto accident these limits simply may not suffice.  After an auto crash in Smithfield or Scituate Rhode Island, retaining a top Smithfield injury lawyer who is experienced in car accident litigation is crucial to obtain a generous compensation award.”

§ 31-31-7  Requirements as to policy or bond. – (a) No policy or bond shall be effective under § 31-31-6 unless issued by an insurance company or surety company authorized to do business in this state, except as provided in subsection (b) of this section, nor unless the policy or bond is subject, if the accident has resulted in bodily injury or death, to a limit, exclusive of interest and costs, of not less than twenty-five thousand dollars ($25,000) because of bodily injury to or death of one person, in any one accident and subject to the limit for one person, to a limit of not less than fifty thousand dollars ($50,000) because of bodily injury to or death of two (2) or more persons in any one accident, and if the accident has resulted in injury to, or destruction of, property to a limit of not less than twenty-five thousand dollars ($25,000) because of injury to or destruction of property of others in any one accident. TITLE 31 Motor and Other vehicles CHAPTER 31-31  Safety Responsibility Administration – Security Following Accident History of Section. (P.L. 1993, ch. 4, § 2.)

Scituate car accident lawyers

Car Accident Statistics:

In general, the number and frequency of auto accidents in each state is directly correlated to the state’s population and density. As of February 2016, There were 29,989 fatal motor vehicle accidents in the United States in the year of 2014. Of these fatal crashes, 32,675 deaths occurred “ http://www.iihs.org/iihs/topics/t/general-statistics/fatalityfacts/state-by-state-overview.” The average monetary amount for a car accident increases with the number of vehicles / individuals involved increases. Thus, in the event that you are involved in a car accident involving a fatality, minimum limits of auto liability simply won’t be enough. At this point, it would be wise to hire a North Scituate Rhode Island personal injury lawyer who specializes in car accidents.

Filing a Personal Injury Claim in RI

Following the filing of a personal injury claim in Providence Superior Court as a result a  Scituate or Smithfield car accident, there may be  settlement discussions and the parties will focus on gathering as much information as possible. This  information gathering process is commonly known as “discovery.” One essential part of discovery is the question and answer sessions which takes place out of court. This is known as the deposition. Individuals that answer questions in this process may be medical professionals, accident witnesses, responding police officers, and expert witnesses.