It is enacted by the General Assembly as follows:

SECTION 1. Section 27-10.1-10 of the General Laws in Chapter 27-10.1 entitled "Motor Vehicle Damage Appraiser" is hereby amended to read as follows:

{ADD 27-10.1-10. Inspection at policy inception required. -- ADD} No motor vehicle liability policy or endorsement insuring a private passenger motor vehicle weighing less than ten thousand (10,000) pounds for physical damage coverage, shall be issued in the state of Rhode Island unless the insurer has inspected and photographed the motor vehicle in accordance with rules and regulations set forth by the insurance division of the department of business regulation. {ADD This section does not apply to motor vehicles rated or insured under a commercial motor vehicle insurance policy. ADD}

SECTION 2. This act shall take effect upon passage.