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Underwriting is the process that an insurance company uses to determine whether an insurance company will take the risk to insure an applicant.
The questions that are asked on the application are designed to help the company determine if the applicant is likely to present a claim or file a loss.
History has shown insurance companies certain facts, such as: married people have fewer claims than single people do, and people who only drive their car for pleasure have fewer accidents than people who drive their vehicle to work.
Given those facts, married people pay less for their coverage, and work drivers pay more for theirs.
This is a sample list of factors that are used in determining rates charged for auto insurance coverage.
(a) Marital Status - As mentioned above, married persons are charged less.
(b) Gender - Facts show that males have more wrecks than females.
(c) Age - Very young drivers and very old drivers are high risk for accidents.
(d) Territory - The location where you garage your car (residence.) There are more losses in urban areas.
(e) Make & Model of Vehicle - High theft rates and high repair bills raise premiums.
Many people are not aware that it is perfectly legal for an auto insurance company to use a person's credit history to help determine what rate that person will pay for coverage.
Historical data proves that there is a correlation between a person's credit history and how many claims he or she will file.
In Rhode Island, the tort system is in effect and is used to settle any claims brought about by auto accidents.
This means you buy liability insurance to cover the injuries to another person or property damages caused in an accident that is deemed to be your fault.
Your insurance company assumes the risk that you transfer to them when you buy the policy.
Minimum liability coverage amounts are required in Rhode Island to legally operate a motor vehicle.
Those amounts are:
$25,000 bodily injury per person
$50,000 total bodily injury per accident
$25,000 property damage per accident
Uninsured motorist coverage is mandatory, with one exception. You may decline uninsured motorist coverage if you are only purchasing the minimum liability amounts.
Knowledge empowers you as a consumer.
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