---
type: "Bill"
title: "AN ACT RELATING TO INSURANCE -- UNFAIR CLAIMS SETTLEMENT PRACTICES ACT"
description: "Makes it an unfair claims practice for insurer to designate a motor vehicle a total loss if the cost to repair motor vehicle to its pre-accident condition is less than 75% to 80% of the fair market value."
jurisdiction: "us/states/ri"
legislature: "Rhode Island General Assembly"
session: "2025"
identifier: "HB 6053"
citation: "Rhode Island HB 6053 (2025)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: ["Baginski", "Biah", "Casey", "Craven", "Dawson", "DeSimone", "Kazarian", "O'Brien", "Slater"]
version_count: 1
action_count: 12
vote_count: 1
first_action: "2025-03-12"
last_action: "2025-07-05"
source: "openstates"
source_identifier: "ocd-bill/b95a7a26-3f4c-4a6a-a9e4-fe7c6f00b9cf"
source_url: "https://status.rilegislature.gov/"
source_hash: "5e558abe4e3dfce97378e2131056972efba83dcd3443b775d45407d8efcdba77"
vintage: "2026-07-01"
source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
retrieved_at: "2026-07-06"
confidence: "reported"
tags: ["legislation", "bill", "us-ri"]
---

# Rhode Island HB 6053 (2025) — AN ACT RELATING TO INSURANCE -- UNFAIR CLAIMS SETTLEMENT PRACTICES ACT

Makes it an unfair claims practice for insurer to designate a motor vehicle a total loss if the cost to repair motor vehicle to its pre-accident condition is less than 75% to 80% of the fair market value.

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **6053 SUB A** (committee substitute) — [source](http://webserver.rilegislature.gov/BillText/BillText25/HouseText25/H6053A.pdf)

## Votes

- PASSAGE — **67–4** (pass) · lower

## Sponsors

- Baginski — primary (person)
- Biah — primary (person)
- Casey — primary (person)
- Craven — primary (person)
- Dawson — primary (person)
- DeSimone — primary (person)
- Kazarian — primary (person)
- O'Brien — primary (person)
- Slater — primary (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2025-03-12** 03/12/2025 Introduced, referred to House Corporations `introduction, referral-committee`
- **2025-03-21** 03/21/2025 Scheduled for hearing and/or consideration (03/25/2025)
- **2025-03-25** 03/25/2025 Committee recommended measure be held for further study `committee-failure`
- **2025-06-14** 06/14/2025 Scheduled for consideration (06/16/2025)
- **2025-06-14** 06/14/2025 Proposed Substitute `substitution`
- **2025-06-16** 06/16/2025 Committee recommends passage of Sub A `committee-passage-favorable`
- **2025-06-16** 06/16/2025 Placed on House Calendar (06/18/2025) `reading-3`
- **2025-06-18** 06/18/2025 House passed Sub A `passage`
- **2025-06-18** 06/18/2025 Placed on Senate Calendar (06/20/2025) `reading-3`
- **2025-06-20** 06/20/2025 Senate passed Sub A in concurrence `passage`
- **2025-06-27** 06/27/2025 Transmitted to Governor `executive-receipt`
- **2025-07-05** 07/05/2025 Effective without Governor's signature `became-law`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/b95a7a26-3f4c-4a6a-a9e4-fe7c6f00b9cf`. Confidence: reported (aggregated from official Rhode Island legislature records).