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Rhode Island Auto Accident Attorney
While others say justice for all, we say justice for you.
The crash lasted seconds. The insurance claim will last months, and it is where most people lose. Adjusters, recorded statements, coverage limits, and your own policy's fine print decide what you actually receive. Our auto accident attorneys manage that process from the first call.
35+
Years experience
1,000+
Case representations
100+
Businesses served
24/7
Available to you
Start here
Do you have an auto accident insurance claim in Rhode Island?
Most claims come down to three questions. If the answer to all three is yes, it is worth a conversation, and the conversation costs nothing.
Has an insurer contacted you?
Adjusters call within days, often before you have seen a doctor. What you say in that call follows the claim to its end.
Is coverage in question?
The other driver had the state minimum, no insurance, or has disappeared. Or your own insurer is disputing what your policy covers.
Is it within three years?
Rhode Island allows three years to file suit. Insurer deadlines for notice and cooperation under your own policy are much shorter.
What we do for you
How Tarro Law will help you
From the first call to the final payment, this is what working with us looks like.
A free, honest case review
Tell us what happened. We tell you whether there is a claim, and we say so plainly if there is not.
We deal with the insurer
Every call, letter, and recorded-statement request goes through us from the first day. You speak to no adjuster alone.
We move on the evidence first
Preservation letters, camera footage, and witness accounts are secured before they disappear, usually within days.
You focus on recovery
We track every bill, record, and lost workday while you concentrate on treatment.
No fee unless we recover
The contingency fee is set out in writing before we start. If there is no recovery, no attorney's fee is owed.
Direct access to your attorney
Phone, email, and the client portal, with a lawyer who knows your file. Hablamos español.
Auto Accident Insurance Claims
How we handle the insurance side of an auto accident
Taking over communication
From the first call, every insurer deals with us. No recorded statements, no informal 'just a few questions.'
Reading your own policy
Uninsured, underinsured, and medical payments coverage, stacking rules, and notice deadlines. Clients frequently have coverage they were never told about.
Documenting the claim the way insurers evaluate it
Liability evidence, complete medical records, wage documentation, and a demand that accounts for future care, not just bills to date.
Pursuing bad faith where warranted
Rhode Island insurers owe their own policyholders a duty of good faith. Unreasonable delay or denial of a valid uninsured or underinsured claim can itself be actionable.
Compensation
What a claim can cover
Not every category applies to every case. Which ones apply to yours depends on the injury, the evidence, and the insurance available.
Money you have lost
Emergency care, hospital stays, and surgery
Ongoing treatment, therapy, and medication
Projected future medical care
Wages lost while unable to work
Reduced earning capacity going forward
Property damage
Harm that has no invoice
Physical pain, during recovery and after
Emotional distress and loss of sleep
Scarring and disfigurement
Loss of the activities that made life yours
Loss of companionship within a marriage
How it is paid
Through the responsible party's insurance
Through your own uninsured or underinsured coverage where it applies
By settlement, or by verdict if a fair settlement is refused
With every deduction itemized in writing before you sign
Right now
What to do next
What you do in the first days affects what the claim is worth months later. None of this requires hiring anyone.
1
Notify your own insurer promptly
Your policy requires it, and it protects your uninsured and underinsured motorist rights. Report the facts; do not speculate about fault or injuries.
2
Decline the other insurer's recorded statement
You are under no obligation. Refer them to your lawyer.
3
Do not accept a quick settlement or sign a release
Early checks are for the claim the insurer hopes you have, not the one you do.
4
Collect your policy documents
Declarations page and the full policy. We will read what you are entitled to.
5
Keep treating and keep records
Gaps in treatment are the most common reason insurers reduce a claim.
About the firm
Local roots in Providence. Statewide reach across Rhode Island.
Tarro Law Associates has spent more than 35 years representing businesses, families, and injured people from its office on Broadway in Providence. Clients work directly with their attorney, not a call center, and our attorneys are licensed in Rhode Island, Massachusetts, and Florida.
No office visit is needed. Most matters can be handled entirely from home:
Sign your agreement and documents electronically
Upload records and photos through the secure client portal
Follow your matter online and reach your attorney by phone, text, or email
Common questions
Auto Accident Insurance Claims questions we hear first
Should I talk to the other driver's insurance company?
No. You are not required to give them a statement, and anything you say will be used to reduce the claim. Direct them to your attorney and let the communication run through one channel.
The at-fault driver only had the Rhode Island minimum. What now?
Your own underinsured motorist coverage may pay the difference between their $25,000 limit and your actual losses. Many policies carry this coverage; we check immediately.
Can I claim against my own insurer without raising my rates?
Uninsured and underinsured motorist claims are claims you paid premiums for. Rhode Island restricts insurers from surcharging policyholders for accidents they did not cause.
What is the difference between this and a car accident claim?
None in the injury; this page addresses the insurance process that follows any crash. If you want the broader picture of a car accident claim, see our Rhode Island car accident attorney page.
Do I pay anything up front?
No. Auto accident cases are handled on a contingency fee. The consultation is free, there is no hourly billing, and the fee is a percentage of any recovery set out in a written agreement. If there is no recovery, no attorney's fee is owed.
More ways we can help
Other services at Tarro Law
Personal Injury
Crashes, falls, medical negligence, and catastrophic or fatal injuries across Rhode Island.
Wills, Trusts & Estates
Estate plans, trusts, powers of attorney, probate, and estate disputes.
Fractional General Counsel
A dedicated business attorney on a month-to-month plan, for a set monthly fee.
Other Rhode Island injury claims we handle
Next step
Make the Call™
Tell us what happened in your own words. We will tell you whether you have a claim, what the deadline is, and what we would do first. Someone answers 24/7.
Main office
Providence, RI
425 Broadway, Providence, RI 02909
Serving
Every city and town in Rhode Island, and clients in Massachusetts and Florida.
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