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Early Sunday morning was not kind to three people who were standing on the side of Route 95 exchanging information after a minor accident. While on the side of the road, a Providence man hit all three impaling one of the people in his windshield. According to ABC6, The driver was later found hiding in a closet.

This accident raises several interesting issues. Rhode Island has mandatory liability insurance which requires drivers to have at least $25,000/$50,000 coverage. This means that a driver must have coverage that provides at least $25,000 per person with a total of $50,000 per accident for any injuries caused by his negligence. Assuming the driver had the minimum insurance coverage required and the three victims have damages far in excess of the required coverage, they may have recourse against their own inusrance company.

Check in tomorrow when we discuss uninsured/underinsured coverage in Rhode Island.

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