1. Rhode Island's personal auto insurance system is best described as:

A tort (fault-based) system in which the at-fault driver is generally liable for damages

Rhode Island is a traditional tort (fault) auto state, so the at-fault driver is generally responsible for the damages they cause.

2. Rhode Island's compulsory auto liability minimum limits are commonly stated as (verify current figures):

Twenty-five/fifty/twenty-five

Rhode Island's minimum auto liability limits are commonly cited as 25/50/25; verify the current statutory amounts.

3. On Rhode Island auto policies, uninsured and underinsured motorist coverage is generally:

Required to be offered, subject to the insured's rights regarding limits

Rhode Island generally requires that UM/UIM coverage be offered to protect insureds against at-fault drivers lacking adequate coverage.

4. Rhode Island allocates fault in liability claims under a pure comparative negligence rule, meaning a claimant:

May recover damages reduced by their own percentage of fault, even if more than half at fault

Under pure comparative negligence, a claimant's recovery is reduced by their share of fault but is not barred even if they are mostly at fault.