Rhode Island Code of Regulations › Title 230 - Department of Business Regulation › Chapter 20 - Insurance › Subchapter 05 - Personal Lines - Automobile and Homeowners Insurance › Part 2 - Automobile Insurance Cancellation and Renewal Provisions › Section 230-RICR-20-05-2.3 - Definitions

Current through June 14, 2024
A. As used in this Part:
1. "Automobile liability coverage" means
				  coverage of bodily injury and property damage liability, medical payments and
				  uninsured motorist coverages.
2.
				  "Automobile physical damage coverage" means coverage of loss or damage to an
				  automobile insured under the policy except loss or damage resulting from
				  collision or upset.
3. "Automobile
				  collision coverage" means coverage or loss or damage to an automobile insured
				  under the policy resulting from collision or upset.
4. "Chargeable loss occurrence" means a
				  chargeable accident as set forth in §
											3.8   of this Subchapter and R.I. Gen.
				  Laws §
											27-9-4(b), (d) and
				  (e).
5. "Delivered" or "Delivery" means by the use
				  of regular mail or electronic means if the parties have agreed to conduct the
				  transaction by electronic means in accordance with R.I. Gen. Laws Chapter
				  42-127.1.
6. "Insurance score"
				  means a number, rating or any categorization that is derived from an algorithm,
				  computer application, model or other process that is based in whole or in part
				  on credit history for the purposes of predicting the future insurance loss
				  experience of an individual applicant or insured.
7. "Non-Chargeable loss occurrence" means any
				  incident which results in any loss payment other than those incidents which
				  fall within the definition of Chargeable Loss Occurrence.
8. "Non-payment of premiums" means failure of
				  the named insured to discharge when due any of his or her obligations in
				  connection with the payment of premiums on a policy of automobile insurance or
				  any installment of such premium, whether the premium is payable directly to the
				  insurer or its agent or indirectly under any premium finance plan or extension
				  of credit.
9. "Policy" means any
				  private passenger automobile policy which includes automobile liability
				  coverage, uninsured motorist coverage, automobile medical payments coverage, or
				  automobile physical damage coverage, delivered or issued for delivery in this
				  state. Provided however, that this Part shall not apply:
a. to any policy which has been in effect
				  less than sixty (60) days at the time notice of cancellation is mailed or
				  delivered by the insurer unless it is a renewal policy, nor
b. to any policy covering garage, automobile
				  sales agency, repair shop, service station or public parking place operations
				  hazards, nor
c. to any policy
				  providing insurance only on an excess basis.
10. "Private passenger automobile" means any
				  vehicle insured by a personal automobile insurance policy.
11. "Renewal" or "To renew" means the
				  issuance and delivery by an insurer of a policy superseding at the end of the
				  policy period a policy previously issued and delivered by the same insurer, or
				  the issuance and delivery of a certificate or notice extending the term of a
				  policy beyond its policy period or term.