Rhode Island Insurance Adjuster Exam

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What is the typical default deductible for uninsured motorist property damage in Rhode Island?

$100
$200
$500
$1,000

The correct answer is: $200

In Rhode Island, the typical default deductible for uninsured motorist property damage is set at $200. This means that if a policyholder is in an accident with an uninsured motorist, they would be responsible for the first $200 of damages to their property before their insurance coverage takes effect. This default deductible is designed to balance the policyholder's out-of-pocket expenses with the insurance coverage available. It ensures that policyholders have some skin in the game, while still providing a level of protection against significant financial losses when an uninsured driver is at fault. Choosing this amount as the default helps maintain a manageable risk for insurers, which can contribute to the overall affordability of premiums for policyholders in Rhode Island. Understanding this deductible can assist adjusters in navigating claims and advising clients correctly about their coverage options and responsibilities.