Rhode Island
Rhode Island issues bulletin notifying insurers to stop unlawfully setting premiums
Rhode Island issues bulletin notifying insurers to stop unlawfully setting premiums
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Insurance | Legal
The Rhode Island Department of Business Regulation Insurance Division has published a bulletin notifying insurers that they must cease using non-compliant vehicle history scores.
“It has come to our attention that some vehicle history scores being utilized by insurers include losses that do not meet the criteria of a Chargeable Accident or that occurred outside the allowed three (3) year look back period,” the bulletin says. “Any rating program that utilizes such a factor is deemed to be in violation of the RI Rating statutes and regulations and insurers should cease using those scores.”
Code 230-RICR-20-05-3 says that insurance cannot charge a higher premium as a result of any loss for which a surcharge is prohibited. This includes establishing a premium surcharge, penalty, removal of a discount, or declining an award of credits, tier or re-tier, or altering a premium for any losses other than a “Chargeable Accident or Moving Violation.”
It also says insurers may not establish “loss-free discounts or tiers” that take into account losses that are not Chargeable Accidents or Moving Violations.
The code states accidents will not be deemed chargeable if an individual can show one of the following:
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- The accident occurred more than three years prior to the effective date of the policy;
- The property damage claim payment made as a result of an accident occurring before Jan. 1, 2020, was less than $1,500 or the property damage claim payment made as a result of an accident occurring on or after Jan. 1, 2020, was less than $3,000.
- The automobile involved in the motor vehicle accident was legally parked and unattended at the time of the damage;
- The insured covered by that policy is 50% or less at fault;
- The owner or operator has received at least 50% reimbursement from the other driver involved in the automobile accident;
- The individual has received a judgment in a court of law against the other owner or operator involved in the accident for 50% of the loss incurred;
- There has been a determination by a law enforcement agency that the damage inflicted on the owned or operated vehicle was done by an individual operating a stolen vehicle whether or not that individual was apprehended;
- The operator or owner of the other vehicle involved in the automobile accident with the insured vehicle has had his license and/or registration suspended by action of the Division of Motor Vehicles for failing to satisfy financial responsibility requirements;
- The loss or incident involved a bus driver while in the course of his or her employment for the Rhode Island Public Transit Authority or private or municipal school bus companies;
- The loss involved a law enforcement officer while in the course of his or her employment for state, city, or town police departments;
- The loss or incident involved a commercial vehicle driver, defined as the driver of a motor vehicle with a gross weight in excess of 10,000 pounds or a motor vehicle used for public livery while in the course of his or her employment; or
- The loss or incident involved the operator of an emergency vehicle falling within the scope of R.I. Gen. Laws § 45-19-17.
Any insurers not currently compliant with the code must submit a filing to the Division and remove the non-compliant elements no later than Nov. 30, the bulletin says. It also notes these non-compliant rating elements should not be included in future filings.
Any questions or concerns can be emailed to dbr.insurance@dbr.ri.gov.
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Rhode Island
Truckers ordered to pay own legal bills from failed RI toll lawsuit
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The trucking industry will have to pay its own legal bills for the unsuccessful eight-year-old lawsuit it brought to stop Rhode Island’s truck toll system, a federal judge ruled Friday, March 27.
The American Trucking Associations was seeking $21 million in attorneys fees and other costs from the state, but a decision from U.S. District Judge John McConnell Jr. says the truckers lost the case and will have to pick up the tab.
The state had previously filed a counterclaim for reimbursement of $9 million in legal bills, but an earlier recommendation from U.S. Magistrate Judge Patricia Sullivan had already thrown cold water on that possibility.
McConnell ordered American Trucking Associations to pay Rhode Island $199,281, a tiny fraction of the amount the state spent defending the network of tolls on tractor trailers.
Settling the lawyer tab may finally bring an end to a court fight that bounced back and forth through the federal judiciary since the toll system launched and the truckers brought suit in 2018.
As it stands, the state’s truck toll network has been mothballed since 2022 when a since-overturned judge’s ruling temporarily ruled it unconstitutional.
The Rhode Island Department of Transportation said it hopes to relaunch the tolls around March 2027.
The court costs fight hinged on which side could claim legal “prevailing party” status as the winner of the lawsuit.
The trucking industry claimed that it had won because the First Circuit Court of Appeals ruled an in-state trucker discount mechanism, known as caps, in the original truck toll system was unconstitutional.
But Rhode Island argued that it is the winner because the appeals court had ruled that the larger system and broad concept of truck tolls is constitutional and can relaunch with the discounts stripped out.
“The Court determines that ATA has vastly overstated the benefit, if any, that they have received from the ultimate resolution of their challenge to the RhodeWorks program,” McConnell wrote.
The truckers “failed to obtain any practical benefit from the First Circuit’s severance of the [in-state toll] caps,” he went on. “Specifically, the evidence from this dispute confirmed that the lack of daily caps will result in ATA paying a higher amount in daily tolls and that it does not receive any tangible financial benefit from their elimination.”
In her December analysis of the legal fees question, Sullivan had concluded that the Trucking Associations’ outside counsel had overbilled and overstaffed the case.
But she had recommended that the industry be reimbursed $2.7 million for its bills, while McConnell’s ruling gives it nothing.
Rhode Island
Think you’re middle class in Rhode Island? Here’s the income range
Here are five ways how you can save some money when food shopping.
Here are five ways how you can save some money when food shopping.
Your household can earn more than $160,000 a year and still be considered part of the “middle class” in Rhode Island, according to a recent study by SmartAsset.
Rhode Island is the state with the 17th-highest income range for households to be considered middle class, based on SmartAsset’s analysis using 2024 income data from the U.S. Census Bureau. The Pew Research Center defines the middle class as households earning roughly two-thirds to twice the national median household income.
According to a 2022 Gallup survey, about half of U.S. adults consider themselves middle class, with 38% identifying as “middle class” and 14% as “upper-middle class.” Higher-income Americans and college graduates were most likely to identify with the “middle class” or “upper-middle class,” while lower-income Americans and those without a college education generally identified as “working class” or “lower class.”
Here’s how much money your household would need to bring in annually to be considered middle class in Rhode Island.
How much money would you need to make to be considered middle class in RI?
In Rhode Island, households would need to earn between $55,669 and $167,008 annually to be considered middle class, according to SmartAsset. The Ocean State has the 17th-highest income range in the country for middle-class households.
The state’s median household income is $83,504.
How do other New England states compare?
Rhode Island has the fourth-highest income range for middle-class households in New England. Here’s what households would have to earn in neighboring states:
- Massachusetts (#1 nationally) – $69,885 to $209,656 annually; median household income of $104,828
- New Hampshire (#6 nationally) – $66,521 to $199,564 annually; median household income of $99,782
- Connecticut (#10 nationally) – $64,033 to $192,098 annually; median household income of $96,049
- Rhode Island (#17 nationally) – $55,669 to $167,008 annually; median household income of $83,504
- Vermont (#19 nationally) – $55,153 to $165,460 annually; median household income of $82,730
- Maine (#30 nationally) – $50,961 to $152,884 annually; median household income of $76,442
Which state has the highest middle-class income range?
Massachusetts ranks as the state with the highest income range to be considered middle class, according to SmartAsset. Households there would need to earn between $69,900 and $209,656 annually. The state’s median household income is $104,828.
Which state has the lowest middle-class income range?
Mississippi ranks last for the income range needed to be considered middle class, according to SmartAsset. Households there would need to earn between $39,418 and $118,254 annually. The state’s median household income is $59,127.
Rhode Island
AARP report highlights scale and value of unpaid caregiving in Rhode Island
“Nationally there are 59 million Americans who are providing care for a loved one and that is 49.5 billion hours of care annually. It’s valued at a trillion dollars,” said Catherine Taylor, the director of AARP Rhode Island; AARP, the nation’s largest non- profit, dedicated to empowering people 50 and older.
In Rhode Island, the report shows 155,000 people serve as caregivers, providing 111 million hours of care.
Barbara Morse reports on unpaid caregivers. (WJAR)
“The total impact is $2.8 billion a year,” said Taylor.
It’s not just babysitting a loved one.
Catherine Taylor, the director of AARP Rhode Island, spoke with NBC 10’s Barbara Morse about the value of caregiving. (WJAR)
“People are doing a lot more nursing tasks, you know–wound care, injections and things like that and they’re doing a lot more intensive daily care, like bathing, and dressing and feeding than we used to,” she said.
Its latest report–“Valuing the Invaluable.”
“The whole point of this report is to draw attention to how many family care givers there are and what the magnitude of what the need is for their support,” said Taylor.
That includes financial support and respite care.
AARP wants you to know this:
An older man using equipment in a gym. (FILE)
In Rhode Island, temporary caregiver insurance or TCI is available to folks who qualify, for up to eight weeks.
There are federal tax credits you may qualify for. There is help.
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“All you have to do is call 211 and say you’re a family caregiver and they will connect you to all of AARP’S trusted information, including a Rhode Island specific guide on resources for caregivers,” she said.
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