230-RICR-20-05-4. Reinspection of Collision Damage Claims (version Periodic Refile, 12/19/2001 to 05/13/2010)

Page 1 of 2 Reg. # 76 State of Rhode Island and Providence Plantations DEPARTMENT OF BUSINESS REGULATION Division of Insurance 233 Richmond Street Providence, RI 02903 INSURANCE REGULATION 76 REINSPECTION OF COLLISION DAMAGE CLAIMS Table of Contents Section 1 Authority Section 2 Purpose Section 3 Definitions Section 4 Reinspection of Collision Damage Claims Section 5 Effective Date Section 1 Authority This Regulation is promulgated pursuant to R.I. Gen. Laws §§ 27-10.1-9 and 42- 14-17. Section 2 Purpose The purpose of this Regulation is to require insurers to reinspect ten percent (10%) of all automobile insurance claims after collision damage is repaired. Nothing in this Regulation shall preclude an insurer from reinspecting more than ten percent (10%) of claims. Section 3 Definitions For the purpose of this Regulation: A. "Director" means the Director of Business Regulation or his or her designee. B. "Insurer" means all persons, firms, corporations or associations authorized to offer automobile insurance in this state. C. "Collision Damage" means loss to the insured's vehicle caused by its collision with other vehicle or object or its upset, or damage caused by theft of the insured vehicle regardless of the coverage under which the claim is paid. Page 2 of 2 Reg. # 76 D. "Claim" means a demand for payment of loss by a claimant. E. "First Party Claim" means a demand for payment of loss made by an individual, corporation, association, partnership, or other legal organization, under their own insurance policy, arising out of the occurrence of the contingency or loss covered by the policy; F. "Third Party Claim" means a demand for payment made against another persons insurance policy. Section 4 Reinspection of Collision Damage Claims A. Every insurer authorized to offer automobile insurance in this state shall reinspect at least ten percent (10%) of all collision damage claims after any collision damage has been repaired. B. The insurer may at any time before a repaired vehicle is delivered to its owner, inform the auto body repair shop, corporation, business, partnership, or person, which has repaired the vehicle, of its intent to reinspect the vehicle. C. Such reinspection shall not be performed in a manner that interferes with the operation of the auto body repair shop and shall occur no later than two (2) business days after the insurer is informed by the auto body repair shop, corporation, business, partnership, or person that has repaired the vehicle of is availability for reinspection. Section 5 Effective Date This Regulation shall become effective on September 8, 1994. EFFECTIVE DATE: February 15, 1994 AMENDED: September 8, 1994 REFILED: December 19, 2001