Rhode Island legislation · 2026 Regular Session
Rhode Island S3115: AN ACT RELATING TO INSURANCE -- UNFAIR CLAIMS SETTLEMENT PRACTICES ACT (Raises the percentage from eighty percent (80%) to eighty-five percent (85%) regarding declaring a vehicle a total loss.)
Status: Chaptered, June 26, 2026
What the bill says
From the introduced text, March 13, 2026:
2026 -- S 3115 ======== LC005731 ======== STATEOFRHODEISLAND IN GENERAL ASSEMBLY JANUARY SESSION, A.D. 2026 ____________ ANACT RELATING TO INSURANCE -- UNFAIR CLAIMS SETTLEMENT PRACTICES ACT Introduced By: Senators Gallo, and Ciccone Date Introduced: March 13, 2026 Referred To: Senate Judiciary It is enacted by the General Assembly as follows: SECTION 1. Section 27-9.1-4 of the General Laws in Chapter 27-9.1 entitled "Unfair Claims Settlement Practices Act" is hereby amended to read as follows: 27-9.1-4. "Unfair claims practices" defined. (a) Any of the following acts by an insurer, if committed in violation of § 27-9.1-3, constitutes an unfair claims practice: (1) Misrepresenting to claimants and insured relevant facts or policy provisions relating to coverage at issue; (2) Failing to acknowledge and act with reasonable promptness upon pertinent communications with respect to claims arising under its policies; (3) Failing to adopt and implement reasonable standards for the prompt investigation and settlement of claims arising under its policies; (4) Not attempting in good faith to effectuate prompt, fair, and equitable settlement of claims submitted in which liability has become reasonably clear; (5) Compelling insured, beneficiaries, or claimants to institute suits to recover amounts due under its policies by offering substantially less than the amounts ultimately recovered in suits brought by them; (6) Refusing to pay claims without conducting a reasonable investigation; (7) …
Sponsors
- Hanna Gallo (D, SD-027) · primary sponsor
- Frank Ciccone (D, SD-007)
Latest actions
- : Effective without Governor's signature
- : Transmitted to Governor
- : House passed in concurrence
- : Placed on House Calendar
- : Committee recommends passage in concurrence
- : Scheduled for consideration
- : Referred to House Corporations
- : Senate read and passed
- : Placed on Senate Calendar
- : Committee recommends passage
Votes
- House Seq #434: PASSAGE IN CONCURRENCE (June 9, 2026): 66 yea, 4 nay, passed
- House Committee on Corporations: Passage in concurrence (June 8, 2026): 9 yea, 0 nay, passed
- Senate Seq #353: (June 3, 2026): 33 yea, 5 nay, passed
- Senate Committee on Judiciary: Passage (May 28, 2026): 9 yea, 0 nay, passed
- Senate Committee on Judiciary: Passage (May 21, 2026): 8 yea, 0 nay, passed
Subjects: INSURANCE
Common questions
- What is S3115?
- S3115 is a bill in the Rhode Island Legislature (2026 Regular Session): AN ACT RELATING TO INSURANCE -- UNFAIR CLAIMS SETTLEMENT PRACTICES ACT (Raises the percentage from eighty percent (80%) to eighty-five percent (85%) regarding declaring a vehicle a total loss.).
- What is the status of S3115?
- Chaptered as of June 26, 2026. Latest action: Effective without Governor's signature (June 26, 2026).
- Who sponsored S3115?
- Hanna Gallo (D, SD-027), with 1 co-sponsor.
- Where is the official record for S3115?
- On the Rhode Island Legislature website: http://webserver.rilegislature.gov/BillText/BillText26/SenateText26/S3115.pdf
Source: official Rhode Island record. Tracked by Delilah, AI for legislation across all 50 states and Congress.