1. You Have the Right to Choose Your Repair Facility
Under Rhode Island law (R.I.G.L. § 27-29-4(15)), insurers cannot require you to use an “approved” or referral auto body shop. You have the legal right to pick the repair facility that you trust. Once you've informed your insurance company of your choice, they may not challenge it or attempt to redirect you.
2. You’re Entitled to OEM Parts
According to R.I.G.L. § 27-10.2-2(b), insurance companies cannot force you to accept aftermarket parts unless you provide written consent. This holds especially true if your vehicle is under 30 months old. You have the right to insist on Original Equipment Manufacturer (OEM) parts so your car is repaired as intended by its maker.
3. You Can Choose Your Rental Car Provider
R.I.G.L. § 27-29-4(18) states that insurers cannot dictate which rental agency you must use. If the accident wasn’t your fault and the liable party’s insurer accepts responsibility, you’re entitled to a rental vehicle comparable to your own while yours is being repaired. For example, if you drive an SUV, you should receive an SUV or equivalent—not be forced into a compact car.
4. You Don’t Have to Use Your Own Insurance if It Wasn’t Your Fault
Under DBR Reg. 73 § 6D, when liability is clear, insurers may not require you to make a claim against your own policy. If someone else is responsible for the accident, you should be able to go through their carrier without being pressured to tap into your own insurance.
5. When Your Vehicle Is Declared a Total Loss
According to DBR Reg. 73 § 7A(2), your insurer must base the settlement on average retail values from sources like NADA or similar guides. You’re entitled to fair market value—not a depreciated number that undervalues your vehicle. You also deserve reimbursement for RI’s 7% sales tax (if it’s not included) and the $25 DMV registration fee.
