Businesses in Rhode Island that operate motor vehicles need to have commercial auto insurance. The state requires commercial auto insurance for businesses that use vehicles to transport goods, and passengers, or provide other services. This type of policy covers a variety of expenses associated with accidents, such as medical bills, other driver's property damage, and bodily injury liability.

Commercial auto insurance policies are typically more expensive than personal policies, but they provide much greater coverage. For example, commercial policies usually cover the driver and all passengers in the event of an accident. They also provide coverage for the business itself, such as liability for damage caused by the vehicle to other property, and legal fees associated with an accident.

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There are several different types of commercial auto insurance available in Rhode Island. The most common type is liability insurance, which covers expenses related to an accident that the business caused. Other types of coverage include collision and comprehensive coverage, which cover the cost of repairs to the vehicle in the event of an accident, and medical payments coverage, which pays for medical bills related to an accident.

Businesses can also purchase additional coverage, such as uninsured or underinsured motorist coverage, which can help protect the business in the event of an accident with an uninsured or underinsured driver.

When shopping for commercial auto insurance in Rhode Island, businesses should make sure to compare quotes from multiple providers. This will ensure they are getting the best coverage at the best price. It is also important to understand the policy's limit and deductible amounts, as this will determine how much a business will need to pay out of pocket in the event of an accident.

Commercial auto insurance is an important part of protecting a business in Rhode Island. Businesses should make sure they are adequately covered and take the time to compare policies before making a decision. Doing so will help ensure that the business is protected in the event of an accident.