07/14/2026
Rhode Island just raised the bar on what counts as a total loss.
Gov. Dan McKee let S3115 become law without his signature, raising the state's total loss threshold from 80% to 85% of a vehicle's pre-accident value. It's the second increase in as many years, and it means more borderline-damage vehicles stay in the repairable column for Rhode Island shops at a time when national total loss frequency just hit a record 23.1%.
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