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If someone else is driving your car and gets in an accident, your car insurance will likely cover any resulting damage. Car insurance generally follows the car instead of the driver, so the car owner's insurance will cover the crash, even if someone else is driving.
If you are charged with a hit and run in Rhode Island, you could be facing possible jail time, probation, fines and fees, a criminal conviction/record, and a potential suspension of your driver's license.
Rhode Island General Laws § 31-26-2 states "the driver of any vehicle knowingly involved in an accident resulting only in damage to a vehicle which is driven or attended by any person shall immediately stop the vehicle at the scene of the accident or as close to it as possible, but shall immediately return to and in ...
The State of Rhode Island requires that a report be filed in any accident that results in death or personal injury, or where damage exceeds one thousand dollars ($1,000.00) to any one vehicle.
In Rhode Island, the statute of limitations for filing a personal injury claim is generally three (3) years from the date of the incident for the great majority of injury claims.