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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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Photo courtesy of Bill Oxford/iStock
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Why is the flag at half staff? These are possible reasons
The flag of the United States of America is flown at half-staff on several occasions, generally marking that the country is in mourning
On Friday, May 15, flags will be flown at half-staff across the United States to commemorate Peace Officers Memorial Day.
Recognized each year since 1962 as part of May’s National Police Week, the national observance pays tribute to United States law enforcement officials who gave their lives in the line of duty, whether at the local, state or federal level.
“United in gratitude, we recommit ourselves to supporting those who keep the peace in our neighborhoods, and we offer our heartfelt appreciation for the service they render to community and country,” reads a proclamation from President Trump. “Their steady presence brings calm to our streets, their dedication preserves the order that allows our Nation to flourish, and their unwavering vigilance is the reason families across America can rest under the promise of a safer tomorrow.”
In memory of those who made the ultimate sacrifice, the flag of the United States at all public buildings and grounds across the country and its territories – including in Rhode Island – will fly at half-staff from sunrise to sunset on Friday, May 15.
Why are flags flown at half-staff?
According to the official website of the U.S. General Services Administration, flags typically fly at half-staff when the country or specific state is in mourning. Observances include national tragedies, days of remembrance and deaths of government or military personnel.
The president, the state governor or the mayor of Washington, D.C., can order flags to fly at half-staff.
Half-staff vs. half-mast
While half-staff refers to lowered flags on land, half-mast refers to those at sea. Both refer to a flag being flown beneath the top of its staff as a sign of respect.
RI’s Verdi Productions films ‘Bad News On The Doorstep’ in Providence
Verdi Productions wrapped filming of Tom DeNucci’s “Bad News On The Doorstep” early on May 23 in Providence.
Verdi Productions’ secret horror movie, “My Boyfriend is a Demon,” now filming in Rhode Island, is no longer a secret as Chad A. Verdi, the East Greenwich production company’s president, has announced the cast and given an outline of the movie’s plot.
The ensemble cast comprises veteran actors and rising young talents. The story follows Mary, a lonely, small-town girl who creates a fake Instagram account that pretends to be boyfriend, a guy too perfect to be real. Mary puts so much effort into making him “real” that he shows up at her door one day.
The cast includes:
- Mattias Ferrell, son of comic actor Will Ferrell and known for “A Very Jonas Christmas Movie” and “Anchorman 2: The Legend Continues.”
- Coco Arquette, daughter of Courteney Cox and David Arquette and known for “Cougar Town.”
- David Arquette, known for his work in the “Scream” film franchise.
- Rosanna Arquette, David’s sister and Coco’s aunt, known for “The Moment.”
- Bailey Sloan, known for “Ragamuffin.”
- Jack Champion, known for “Avatar.”
- Ever Anderson, known for “Peter Pan & Wendy.”
- Vinnie Hacker, known for “Euphoria.”
- Josephine Reitman, known for “Juno.”
- Savannah Lee Smith, kown for “Tunsel Town.”
- Lisa Yamada, known for “Elle.”
- Ty Law, known for “Friday Night Lights.”
“My Boyfriend is a Demon” is written and directed by first-time director mishka.
“My Boyfriend is a Demon” is filming in Providence
The movie began filming in Rhode Island in April and has rented Providence’s Cranston Street Armory for the month of May to use as a studio.
The producing team for Verdi Productions includes Chad A. Verdi, Chad Verdi Jr., Paul Luba, Michelle Verdi and Sera Verdi. Executive producers include Ketchup Entertainment and Kinolime.
Good morning! Happy Thursday! Today will be pretty unsettled with the chance for showers and t’storms. Friday will still be damp with showers and drizzle, but the weekend still looks amazing!
The one good thing with the rain, for allergy sufferers at least, the pollen levels will be lower. In fact, both today and tomorrow, the tree pollen counts will be low locally. Do expect a spike in the pollen count for Saturday and Sunday with the dry weather.
INTERACTIVE RADAR: Live Pinpoint Weather 12 Radar »
“https://www.wpri.com/weather-now/weather-now-for-thu-5-14-26/” FLIGHT TRACKER
“https://www.wpri.com/weather-now/weather-now-for-thu-5-14-26/” POWER OUTAGES
TODAY
Hour-by-hour forecast for today…
We’ll have some showers around during the morning commute today, but the greatest chance for showers and t’storms will be after 9AM and before 5PM.
Showers and thunderstorms could slow travel around mid-day. Rain could fall heavily at times.
A line of showers and t’storms will be sweeping across the area through the afternoon as a slow-moving weather systems moves through the region.
Highs today will be in the upper 50s to lower 60s with southeast to east winds of 5-15mph.
“https://www.wpri.com/weather-now/weather-now-for-thu-5-14-26/” BEACH AND BOATING FORECASTS
TONIGHT
Showers are still possible this evening; although they won’t be as numerous.
TOMORROW
That low center will be nearby Friday morning, and we’ll be stuck with a damp, cool windflow. Expect drizzle and showers in the morning and possibly some lingering showers in the afternoon.
Highs Friday will only be in the 50s. The average high this time of year is in the upper 60s.
LOOKING AHEAD
Then…there’s the weekend. Saturday looks amazing with lots of sunshine and dry weather. It’ll be warmer, too, with highs in the 70s.
-Meteorologist T.J. Del Santo
T.J. Del Santo (tdelsanto@wpri.com) is the weekday morning and noon meteorologist for 12 News. Connect with him on Facebook and Twitter and Instagram and Threads and BlueSky.
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