Terms of Use

The material provided on the ritrust.com website, including the information and any images incorporated in the site, is for private non-commercial use only. You may not modify, republish, post or transmit anything you obtain from this Web site, including anything you download from the site, unless consent is stated on the Web site. If it is not stated on the Web site, you must obtain our consent. You agree not to engage in systematic retrieval of data or other content from ritrust.com. We request that you not create any kind of hyperlink from any other site to ours unless you first obtain our permission.

It is very important that you read the following sections carefully.

Statement

Any person who knowingly, and with intent to defraud any insurance company or other person, files a statement of claim containing any materially false information, or conceals, for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime, and may also be subject to a civil penalty.

Reporting Claims Online

The Trust Online Reporting System allows you to report your claim to The Trust at your own convenience and pace, twenty-four hours a day, seven days a week. You will be guided through a series of screens to collect your loss report information including your loss details and as much information as possible about all other persons injured or property damaged in this loss.

Please make sure that you have all your loss reporting details available to you as you begin the reporting process. Depending on the complexity of your loss, the online loss report should take between 5 – 15 minutes. Use the “Instructions” link on each report page as a resource. If you cannot complete your report, please end the report and contact a Trust Claims Representative 401-439-6511 to give a verbal loss report. If your report occurs after regular business hours, please call 877-704-5550.

Once you have completed the Online Claims Form, select the "Submit Your Loss Report" push button at the bottom of the page. You will receive a confirmation email, acknowledging that your Claims Form was received by The Trust. A Claims Representative will contact you (either by email or by phone) with the claim number and the adjuster's name within 24 hours from your report.

We can only assist you and respond to your loss if it is actually submitted to us. Even if a loss report has been successfully initiated, we cannot act on it if it does not include a valid policy number, telephone number, or other information that would allow us to contact you

Limitation of Liability

RHODE ISLAND INTERLOCAL RISK MANAGEMENT TRUST (“THE TRUST”) WILL NOT BE RESPONSIBLE FOR ANY DAMAGES OR INJURIES THAT ACCOMPANY OR RESULT FROM YOUR USE OF ITS SITE. THESE INCLUDE (BUT ARE NOT LIMITED TO) DAMAGES OR INJURY CAUSED BY ANY: (1) USE OF (OR INABILITY TO USE) THE SITE; (2) USE OF (OR INABILITY TO USE) ANY SITE TO WHICH YOU HYPERLINK FROM ITS WEB SITE; (3) FAILURE OF PERFORMANCE; (4) ERROR; (5) OMISSION; (6) INTERRUPTION; (7) DEFECT; (8) DELAY IN OPERATION OR TRANSMISSION; (9) COMPUTER VIRUS; OR (10) LINE FAILURE. WE ARE NOT LIABLE FOR ANY CONSEQUENTIAL OR INCIDENTAL DAMAGES, WHICH ARE DAMAGES INTENDED TO COMPENSATE SOMEONE DIRECTLY FOR A LOSS OR INJURY, DAMAGES REASONABLY EXPECTED TO RESULT FROM A LOSS OR INJURY, OR OTHER MISCELLANEOUS DAMAGES AND EXPENSES RESULTING DIRECTLY FROM A LOSS OR INJURY.

Disclaimer

THE MATERIAL ON OUR SITE IS PROVIDED AS IS. THIS MEANS THAT THE TRUST DISCLAIMS ALL EXPRESS AND IMPLIED WARRANTIES ABOUT THE MATERIAL IN THE SITE. THIS INCLUDES, BUT ITS NOT LIMITED TO, WARRANTIES THAT: (1) THE MATERIAL IS OF ANY PARTICULAR LEVEL OF QUALITY OR IS FIT FOR A PARTICULAR PURPOSE; (2) THAT THE FUNCTIONAL ELEMENTS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE; (3) THAT DEFECTS WILL BE CORRECTED; (4) THAT OUR SITE, OR THE SERVERS THAT MAKE THEM AVAILABLE ARE FREE OF COMPUTER VIRUSES OR OTHER HARMFUL COMPONENTS OR CONDITIONS; OR (4) THAT INFORMATION CONTAINED IN THE SITE IS ACCURATE AS OF ANY PARTICULAR DATE.

We sometimes provide access to other Web sites from our site or you may have reached our site from another site. However, we do not endorse or approve any products or information offered to you at sites you may reach from our site or from which you may have reached our site. The Uniform Resource Locator (URL) address in your web browser will tell you if you are still in the THE TRUST site or have moved elsewhere .

By providing material on our Web site THE TRUST does not in any way promise that the materials will remain available to you or that you will qualify for the products we offer. THE TRUST is entitled to terminate all or part of any of its Website at any time, without notice to you.

When you select a password and log in to access THE TRUST's online Member services, you agree to the following conditions:

THE TRUST is authorized to act on instructions received under your password without any requirement to question those instructions;

THE TRUST is not liable for any unauthorized access to your personal information that is not directly due to the negligence of THE TRUST;

Your password contains sensitive information and you will keep it confidential and secret;

You will notify THE TRUST immediately if you believe anyone else has learned your password or if you believe an unauthorized access to THE TRUST or your personal information has occurred or may occur;

THE TRUST may deny access or block any transaction made under your password without prior notice if we believe your password is being used by someone other than you, or if any unauthorized access to your personal information has occurred or may occur, or for any other reason, but we are under no obligation to do so.

Jurisdiction

Unless otherwise specified, the materials in our site are presented to provide information about the Rhode Island Interlocal Risk Management Trust ("THE TRUST"), our insurance products and loss prevention programs and services. THE TRUST operates and controls its sites from its headquarters in East Providence, Rhode Island, in the United States of America, and Rhode Island law shall govern and control any action concerning the THE TRUST site. We do not in any way imply that the materials on the site or the products we discuss are available or for use outside of specified Rhode Island local government or in jurisdictions in which we are not allowed to provide our products and services, or that we are soliciting our products and services in any such jurisdiction. By completing an on-line request for a rate quote, you are confirming that you are operating within the jurisdiction where we are allowed to provide our products and sevices.

By using the THE TRUST’s Website, ritrust.com, you agree to these Terms and Conditions of Web site Use.

Miscellaneous

These Terms and Conditions of Website Use, and the agreement they create, shall be governed by and interpreted according to the laws of the State of Rhode Island, without giving effect to Rhode Island’s conflict of laws principles.

If any provision of this agreement is unlawful, void or unenforceable, it shall not affect the validity and enforceability of any remaining provisions.

THE TRUST may modify these Terms and Conditions of Website Use, and the agreement they create, at any time, simply by updating this posting or the information on its website, and without notice to you.

The RHODE ISLAND INTERLOCAL RISK MANAGEMENT TRUST is an Intergovernmental Insurance Risk-sharing Pool, Owned by its Members and organized as a non-profit entity under Rhode Island State legislation (§ 45-5-20.1,) which allows The Trust to exist and offer comprehensive risk management and insurance to Rhode Island’s local governmental entities. By virtue of the State enabling legislation allowing it to exist, The Trust is focused exclusively on Rhode Island public sector entities; no other type of business interest can be pursued. The Trust offers Property, Liability, Workers’ Compensation and Group Life Insurance Coverage for qualified local governmental entities only.

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