---
type: "Bill"
title: "AN ACT RELATING TO INSURANCE -- UNFAIR CLAIMS SETTLEMENT PRACTICES ACT"
description: "Raises the percentage from eighty percent (80%) to eighty-five percent (85%) regarding declaring a vehicle a total loss."
jurisdiction: "us/states/ri"
legislature: "Rhode Island General Assembly"
session: "2026"
identifier: "SB 3115"
citation: "Rhode Island SB 3115 (2026)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: ["Ciccone", "Gallo"]
version_count: 1
action_count: 14
vote_count: 2
first_action: "2026-03-13"
last_action: "2026-06-26"
source: "openstates"
source_identifier: "ocd-bill/cd4deaa3-9aaf-40c0-aa31-54dbe4bdf9d8"
source_url: "https://status.rilegislature.gov/"
source_hash: "1e024e7be9c9668d62aa6aa87ab73248dadfd23c583c62fda277e919cda7a4f0"
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 3115 (2026) — 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.

## Version chain

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

1. **3115** (committee substitute) — [source](http://webserver.rilegislature.gov/BillText/BillText26/SenateText26/S3115.pdf)

## Votes

- IN CONCURRENCE — **66–4** (pass) · upper
- Passage — **33–5** (pass) · upper

## Sponsors

- Ciccone — primary (person)
- Gallo — primary (person)

## Timeline

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

- **2026-03-13** 03/13/2026 Introduced, referred to Senate Judiciary `introduction, referral-committee`
- **2026-05-15** 05/15/2026 Scheduled for hearing and/or consideration (05/21/2026)
- **2026-05-21** 05/21/2026 Committee recommended measure be held for further study `committee-failure`
- **2026-05-26** 05/26/2026 Scheduled for consideration (05/28/2026)
- **2026-05-28** 05/28/2026 Committee recommends passage `committee-passage-favorable`
- **2026-05-29** 05/29/2026 Placed on Senate Calendar (06/03/2026) `reading-3`
- **2026-06-03** 06/03/2026 Senate read and passed `passage`
- **2026-06-04** 06/04/2026 Referred to House Corporations `referral-committee`
- **2026-06-06** 06/06/2026 Scheduled for consideration (06/08/2026)
- **2026-06-08** 06/08/2026 Committee recommends passage in concurrence `committee-passage-favorable`
- **2026-06-08** 06/08/2026 Placed on House Calendar (06/09/2026) `reading-3`
- **2026-06-09** 06/09/2026 House passed in concurrence `passage`
- **2026-06-18** 06/18/2026 Transmitted to Governor `executive-receipt`
- **2026-06-26** 06/26/2026 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/cd4deaa3-9aaf-40c0-aa31-54dbe4bdf9d8`. Confidence: reported (aggregated from official Rhode Island legislature records).