---
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 85% of the fair market value."
jurisdiction: "us/states/ri"
legislature: "Rhode Island General Assembly"
session: "2025"
identifier: "SB 902"
citation: "Rhode Island SB 902 (2025)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: ["DiPalma", "Gallo", "LaMountain", "Lawson", "Sosnowski", "Tikoian"]
version_count: 1
action_count: 12
vote_count: 2
first_action: "2025-03-27"
last_action: "2025-07-05"
source: "openstates"
source_identifier: "ocd-bill/bb585f7d-a40b-47ce-9bea-ebbb90913860"
source_url: "https://status.rilegislature.gov/"
source_hash: "a08ccf04528b4fe3f0a6988c2818a2669606f73767da52a0a059bd7651d51bf4"
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 SB 902 (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 85% of the fair market value.

## Version chain

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

1. **902 SUB A** (committee substitute) — [source](http://webserver.rilegislature.gov/BillText/BillText25/SenateText25/S0902A.pdf)

## Votes

- IN CONCURRENCE — **69–3** (pass) · upper
- Passage — **31–5** (pass) · upper

## Sponsors

- DiPalma — primary (person)
- Gallo — primary (person)
- LaMountain — primary (person)
- Lawson — primary (person)
- Sosnowski — primary (person)
- Tikoian — primary (person)

## Timeline

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

- **2025-03-27** 03/27/2025 Introduced, referred to Senate Judiciary `introduction, referral-committee`
- **2025-05-16** 05/16/2025 Scheduled for hearing and/or consideration (05/20/2025)
- **2025-05-20** 05/20/2025 Committee recommended measure be held for further study `committee-failure`
- **2025-06-10** 06/10/2025 Scheduled for consideration (06/12/2025)
- **2025-06-11** 06/11/2025 Proposed Substitute `substitution`
- **2025-06-12** 06/12/2025 Committee recommends passage of Sub A `committee-passage-favorable`
- **2025-06-13** 06/13/2025 Placed on Senate Calendar (06/17/2025) `reading-3`
- **2025-06-17** 06/17/2025 Senate passed Sub A `passage`
- **2025-06-18** 06/18/2025 Placed on House Calendar (06/20/2025) `reading-3`
- **2025-06-20** 06/20/2025 House 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/bb585f7d-a40b-47ce-9bea-ebbb90913860`. Confidence: reported (aggregated from official Rhode Island legislature records).