Med Pay Subrogation - Yes
PIP Subrogation - No
Statute of Limitations
- Statute of Repose: Products N/A
- Statute of Repose: Real Property 10 years
- Breach of Contract (Written) 10 years
- Personal Property 10 years
- Personal Injury 3 years
- Warranty N/A
- Personal Injury 3 or 4 years
- Property Damage 10 years
Able to Pursue Owner
Sue Owner for Negligence – YES
Suspend Owner’s License – YES
Deductible Reimbursement
Dollar One (Insured Made Whole) State (less pro rated share of subrogation expenses, if any)
R.I. Admin. Code. R. § 02 030 073
Garnishment
YES
(Note: ALL states allow garnishment for child support, alimony, taxes and federal student loans)
Under Rhode Island law, the maximum amount which can be legally withheld from an employee’s wages by an employer is 25% of the employee’s disposable earnings; Disposable earnings are defined as the earnings of an individual after deduction of taxes, social security and temporary disability contributions; Individuals are exempt from attachment for one year if they have collected social security or state assistance
Parental Responsibility
Minor (Under 18)
Dollar Limit on Parents’ Liability: $1,500
Joint and several liability imposed when child willfully or maliciously injures person or property
Subrogation by Landlord's Carrier against Tenant
Yes, unless lease states subrogation not allowed