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Rhode Island Personal Injury Lawyer
No Win. No Fee. Guaranteed.
If you were injured in Rhode Island — in a car crash on I-95, a fall at a Providence business, a dog attack in Warwick, or any accident caused by someone else’s negligence — you have the right to pursue full compensation from those responsible. Rhode Island law is designed to protect injury victims, and MFC Law was built to make that protection real.
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At the Law Offices of Michael F. Campopiano, we have spent nearly two decades fighting for Rhode Island families across every type of personal injury case. Michael F. Campopiano answers client calls directly, moves fast to preserve evidence, and does not back down from insurance companies. Call us at (401) 288-3888 for a free consultation. You pay nothing unless we win.
$840,000
Settlement recovered for a Rhode Island client who required surgery following a serious accident — one of many significant MFC Law results across all practice areas
At-Fault State
Rhode Island is an at-fault insurance state — the driver or party who caused your accident is financially responsible for all your damages through their liability insurance
Pure Comparative Negligence
Rhode Island's fault rule is the most victim-friendly in the country — even if you were partly at fault, you recover compensation reduced only by your own percentage
Rhode Island Personal Injury Law: What Every Victim Needs to Know
Before you speak with any insurance company, there are three legal rules that govern virtually every personal injury case in Rhode Island. Understanding them is the starting point for protecting your rights.
Rhode Island Is an At-Fault State
Rhode Island is one of 38 at-fault states. This means the driver or party whose negligence caused your accident is legally responsible for your full damages — medical bills, lost wages, pain and suffering, and all other losses — through their liability insurance. You file your claim against their insurer, not your own. You have the right to pursue pain and suffering compensation from day one with no threshold to meet. See our full explanation of the Rhode Island at-fault insurance system.
Rhode Island’s Pure Comparative Negligence Rule
Rhode Island follows pure comparative negligence under RI General Law 9-20-4. This means: even if you were partially at fault for your accident, you can still recover. Your award is reduced by your own fault percentage, but it is never eliminated. Rhode Island is one of only 13 states that uses this approach — the others use modified systems that cut off recovery entirely at 50% or 51% fault. Insurance companies know this and still exploit it by assigning inflated fault percentages to victims. MFC Law counters that with evidence. See our full page on Rhode Island pure comparative negligence.
Example: You were 25% at fault for a car accident and the other driver was 75% at fault. Your damages total $200,000. You recover $150,000 — 75% of your full damages — from the at-fault driver’s insurer.
The Statute of Limitations: 3 Years — With Critical Exceptions
Most Rhode Island personal injury claims must be filed within three years of the date of injury under RI General Law 9-1-14. Two exceptions carry shorter deadlines that catch people off guard every year:
- Government property claims: If you were injured on city, town, or state property — or by a government vehicle — you must serve a formal written notice within 60 days of the injury or permanently lose the right to sue the government entity (RI Gen. Law 45-15-9).
- Wrongful death claims: The deadline is two years from the date of death under RI Gen. Law 10-7-2 — shorter than the standard personal injury limit.
A filing deadline that passes cannot be reopened. See our full page on the Rhode Island personal injury statute of limitations for every deadline and exception.
Pure comparative negligence. At-fault insurance. No upfront cost.
Three legal facts that work in your favor in every Rhode Island personal injury case. MFC Law makes sure each one is used to its full advantage.
Rhode Island Practice Areas: Every Case We Handle
MFC Law represents injury victims across all eight major personal injury practice areas in Rhode Island. Every case is handled on a contingency fee — you pay nothing unless we win. See our full page on how personal injury lawyers get paid in Rhode Island.
| Practice Area | What We Fight For |
|---|---|
| Car Accident | Rhode Island car accident claims against at-fault drivers and their insurers, including disputed fault, underinsured drivers, and hit-and-run accidents. RI minimum liability limits ($25K/$50K) are often far too low for serious injuries. |
| Slip & Fall | Premises liability claims for falls caused by wet floors, ice and snow, broken stairs, inadequate lighting, and dangerous conditions on commercial and residential property across Rhode Island. |
| Dog Bite | Rhode Island is a strict liability dog bite state — you do not need to prove the dog bit before. Claims include bites, attacks, and knock-down injuries on public and private property. |
| Motorcycle Accident | Insurance companies systematically assign inflated fault to motorcyclists. MFC Law counters adjuster bias with accident reconstruction evidence and full documentation of motorcycle-specific injuries. |
| Premises Liability | Injuries on someone else's property: negligent security assaults, swimming pool accidents, elevator and escalator malfunctions, toxic exposure, and all other dangerous property conditions. |
| Product Liability | Rhode Island strict product liability — you do not need to prove manufacturer negligence, only that the product was defective and caused your injury. Covers all defect types and the supply chain. |
| Pedestrian Accident | Rhode Island recognizes unmarked crosswalks at all intersections. Even jaywalking victims can recover under pure comparative negligence. Drivers owe a duty of due care to all pedestrians on any road. |
| Uber & Lyft Accident | Rideshare accidents involve a three-phase insurance framework. Phase 3 (active trip) provides $1 million in coverage. Establishing which phase applied is the first step in every rideshare case. |
Rhode Island Service Area: Cities We Represent
MFC Law represents personal injury victims across Rhode Island. Click any city below for practice-area specific information, local court knowledge, and city-specific accident context.
Car Accident
Slip & Fall
Dog Bite
Motorcycle Accident
Premises Liability
Product Liability
Pedestrian Accident
Uber & Lyft Accident
What Compensation Is Available in a Rhode Island Personal Injury Case?
Rhode Island’s at-fault system and pure comparative negligence rule together allow injury victims to pursue the full scope of their losses from those responsible. Damages in a Rhode Island personal injury case typically fall into two categories:
Economic Damages
Medical Expenses
Lost Wages
Reduced Earning Capacity
Future Medical Expenses
Property Damage
Non-Economic Damages
Pain and Suffering
Loss of Enjoyment of Life
Loss of Consortium
Emotional Distress
MFC Law has recovered significant results for Rhode Island clients across all practice areas — including an $840,000 settlement for a client who required surgery, a $600,000 settlement in a surgery case, a $500,000 Providence premises liability settlement, and a $285,000 slip and fall recovery. See our full case results.
Uninsured and Underinsured Motorist Coverage: Your Safety Net in Rhode Island
Rhode Island requires only $25,000 per person in minimum liability coverage — a figure that serious injuries routinely exceed many times over. When the at-fault driver has no insurance, or not enough insurance, your own uninsured and underinsured motorist (UM/UIM) coverage steps in to bridge the gap. Rhode Island law requires every insurer to offer UM/UIM coverage to every policyholder. Carrying it at the highest limits you can afford is the most important protection you have against a financially inadequate at-fault driver.
Why Choose the Law Offices of Michael F. Campopiano?
Frequently Asked Questions: Rhode Island Personal Injury Why Choose the Law Offices of Michael F. Campopiano?
Founded in 2007, MFC Law has spent nearly two decades fighting for injury victims throughout Rhode Island. Michael F. Campopiano built this firm on a simple belief: advocacy with compassion, when clients need it most. That means being accessible, honest, and relentless — Mike answers client calls directly, moves quickly to preserve evidence, and does not back down when insurance companies push back.
Our team speaks English, Spanish, and Portuguese, so every client feels fully understood and supported through every step of the process.
We have recovered millions for Rhode Island injury victims across all eight practice areas in Providence, Warwick, Cranston, Pawtucket, and every surrounding community. No case is too complex and no insurance company too large.
Wherever you are, we’ll fight for your rights bringing justice to light.
Real Stories. Real Results.
“I was involved in a car accident and was fortunate enough to have Franchesca helping me through the entire process. From the very beginning, she went above and beyond to make sure I understood everything and never felt like I was dealing with the situation alone.”
Aly SantiagoGoogle review“My husband and I have had a string of bad luck with car accidents, in the past about 10 years we’ve had at least seven. Since we found attorney Campopiano we don’t worry. We call him at the scene and he gives us guidance and makes sure we’re taken care of right away. By the time we get home we have an email of the documents to get started with the case.”
Edyna RodriguezGoogle review“Never been in a car accident before. When I tell you I was stressed to the max, decided to reach out and I’m SO happy I did. They asked me a few questions and took care of the rest. Got my check within 5 months!! You guys will not regret calling Michael!”
KayGoogle review“I was involved in a serious car accident, and my attorney was on top of things from start to finish. Their knowledge of the insurance process helped me navigate a very challenging situation. They encouraged me to fight for what I deserved, advising me against settling too quickly.”
Meaghan DunbarGoogle review“I am incredibly grateful for the outstanding service I received during my personal injury case following my automobile accident in March. From the very beginning, the team was attentive and supportive, making me feel valued as a client. I finished my treatment in early September, and to my surprise, my case was settled just two months later!”
“It was my turn to use him along with my family and we got into a car accident and him and his team went to work thoroughly and did a great job for us. They got us more money than we were expecting, not only that, but it was in a timely fashion they were very professional, very honest and easy to communicate with and get a hold of when we had questions.”
“My name is Taylor and without a doubt I had a 10/10 experience with Michael. He was very professional, communicated with me often every step of the way and got the best possible outcome for my case. I am reassured that having Michael represent me was the best decision I made. Thank you Michael!”
Lindsay PetitGoogle reviewReviews are posted by clients on Google. Individual experiences vary, and past reviews do not guarantee a similar outcome. View More Reviews
Throughout Rhode Island & Massachusetts, helping victims of personal injury get the care they deserve.
“When you choose us, you can be rest assured that you will receive personalized attention and a comprehensive legal strategy tailored to your unique circumstances. Our skilled lawyers will guide you through every step of the legal process, explaining your rights and options in clear, straightforward language.
We handle a wide range of personal injury cases, including car accidents, slip and falls, Dog Bite, and more. No matter the complexity of your case, we have the expertise and resources to fight for the compensation you deserve.”
Personal injury lawyers across Rhode Island
Frequently Asked Questions: Rhode Island Personal Injury
Straight answers, no legalese. Still have a question? A real person answers, day or night.
Nothing upfront. MFC Law handles every personal injury case on a contingency fee — we take a percentage of what we recover for you, and only if we win. If there is no recovery, there is no attorney fee. See our full page on how personal injury lawyers get paid in Rhode Island.
Yes. Rhode Island’s pure comparative negligence rule allows you to recover even if you were significantly at fault. Your award is reduced by your own percentage — so a victim who was 30% at fault recovers 70% of their damages. There is no cutoff bar. See our page on Rhode Island comparative negligence.
Three years from the date of injury for most claims. Government property claims require a 60-day written notice before suit can be filed — missing it permanently bars the municipal claim. Wrongful death carries a two-year limit from the date of death. See our full statute of limitations page.
At-fault. The driver who caused your accident pays your damages through their liability insurance. You can pursue pain and suffering from day one with no injury threshold to meet. Rhode Island is one of 38 at-fault states. See our full explanation of the Rhode Island at-fault insurance system.
- Call 911 and get a police report at the scene
- Photograph the scene, vehicles, injuries, and road conditions immediately
- Get witness names and contact information before they leave
- Seek medical attention the same day — adrenaline masks pain and delayed treatment weakens your claim
- Do not give a recorded statement to any insurance company before consulting an attorney
- Call MFC Law at (401) 288-3888 — the consultation is free and your time matters
Your own underinsured motorist (UIM) coverage bridges the gap up to your own policy limits. MFC Law also investigates every additional source of recovery — third-party liability, dram shop claims, and government entity responsibility where applicable.
What if I was hit by a driver with no insurance?
Your own uninsured motorist (UM) coverage is typically your primary recovery source. Rhode Island requires every insurer to offer UM/UIM coverage. We handle UM claims regularly and treat them with the same rigor as any liability case.
Contact Our Rhode Island Personal Injury Lawyers for a Free Consultation
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We fight for every dollar you deserve. No fee unless we’re successful.
- Phone(401) 288-3888
- Emailmfc@mfclaw.com
- Main office21 Douglas Ave, Providence, RI 02908