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RI S2301
Bill
Status
1/23/2026
Primary Sponsor
Ana Quezada
Click for details
AI Summary
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Raises the damage threshold requiring a licensed appraiser for motor vehicle insurance appraisals from $2,500 to $5,000
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Removes the prohibition on appraisers basing their assessments on photographs of damaged vehicles, now allowing photo-based appraisals
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Extends the deadline for insurers to perform initial appraisals from 3 business days to 4 business days after receiving a request from an auto body repair shop
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Takes effect immediately upon passage
Legislative Description
Amends unfair claims practices law by requiring an insurance appraisal by a licensed appraiser where damage to a motor vehicle exceeds $5,000 (from $2,500) and eliminates language that prohibits an appraisal based on photos of a damaged motor vehicle.
Insurance
Last Action
Committee recommended measure be held for further study
3/3/2026