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RI H7864
Bill
Status
2/27/2026
Primary Sponsor
William O'Brien
Click for details
AI Summary
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Requires insurance companies to honor "direction to pay" requests from insureds or claimants, allowing direct payment to the insured's chosen appraiser and umpire appraiser
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Insurer's appraiser must inspect damaged vehicles within 4 business days of written demand; failure forfeits the insurer's right to pre-repair inspection
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When appraisers' proposals differ by 15% or less, the loss amount is set at the midpoint; differences over 15% trigger an umpire selection process with a 5-day decision deadline
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If the final appraisal award exceeds the insurer's original offer by more than 25%, the insurer must reimburse all of the insured's appraisal costs
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Prohibits insurers from intimidation, coercion, threats, or misrepresentation of consumer rights during the appraisal process
Legislative Description
Requires an insurance company to directly pay the insured's chosen appraiser and the umpire appraiser, if applicable, upon receipt of a "direction to pay" executed by an insured or claimant.
Insurance
Last Action
Introduced, referred to House Corporations
2/27/2026