Rhode Island legislation · 2026 Regular Session
Rhode Island H7866: 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, February 27, 2026:
2026 -- H 7866 ======== LC004758 ======== STATEOFRHODEISLAND IN GENERAL ASSEMBLY JANUARY SESSION, A.D. 2026 ____________ ANACT RELATING TO INSURANCE -- UNFAIR CLAIMS SETTLEMENT PRACTICES ACT Introduced By: Representatives Baginski, Slater, Casey, DeSimone, and Biah Date Introduced: February 27, 2026 Referred To: House Corporations 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 …
Sponsors
- Jacquelyn Baginski (D, HD-017) · primary sponsor
- Scott Slater (D, HD-010)
- Stephen Casey (D, HD-050)
- DeSimone, Anthony (D, HD-005)
Latest actions
- : Effective without Governor's signature
- : Transmitted to Governor
- : Senate passed in concurrence
- : Placed on Senate Calendar
- : House read and passed
- : Placed on House Calendar
- : Committee recommends passage
- : Scheduled for consideration
- : Committee recommended measure be held for further study
- : Scheduled for hearing and/or consideration
Votes
- Senate Seq #645: (June 11, 2026): 33 yea, 5 nay, passed
- House Seq #433: PASSAGE (June 9, 2026): 66 yea, 4 nay, passed
- House Committee on Corporations: Passage (June 8, 2026): 9 yea, 0 nay, passed
Subjects: INSURANCE
Common questions
- What is H7866?
- H7866 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 H7866?
- Chaptered as of June 26, 2026. Latest action: Effective without Governor's signature (June 26, 2026).
- Who sponsored H7866?
- Jacquelyn Baginski (D, HD-017), with 3 co-sponsors.
- Where is the official record for H7866?
- On the Rhode Island Legislature website: http://webserver.rilegislature.gov/BillText/BillText26/HouseText26/H7866.pdf
Source: official Rhode Island record. Tracked by Delilah, AI for legislation across all 50 states and Congress.