With Rhode Island legislature leading the way with HB 5892. Insurers would have to physically inspect all vehicles where damage exceeds $1500. Insurers who rely on desk review companies to redline or rewrite estimates without inspecting the damage would be mandated to send out an auto damage appraiser to inspect in person.
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The specific bill language states it would be “Unfair claims practices violation” if:
Failure to have an appraisal performed by a licensed appraiser where the motor
vehicle has sustained damage estimated to exceed one thousand five hundred dollars ($1,500).