Arkansas Auto Insurance
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Q and A for Arkansas Auto Insurance
Do I have to purchase Arkansas auto insurance?
Yes; all motorists in Arkansas are required to carry Arkansas auto insurance in the form of liability coverage.
What are the requirements for Arkansas auto insurance?
All motorists must have coverage for bodily injury and property damage.
Bodily Injury Liability — protects you against a claim made by someone who was injured in an accident for which you are responsible.
Property Damage Liability — protects you against a claim for damage to another person's property in an accident for which you are responsible.
You will have coverage up to the limits specified in your Arkansas auto insurance policy.
How much Arkansas auto insurance should I buy?
The minimum requirements for Arkansas auto insurance are:
- $25,000 total for bodily injury coverage per person
- $50,000 total for bodily injury coverage per accident
- $25,000 total for property damage
Remember that you have coverage up to, but not exceeding, these amounts. This means if you are sued for more than your coverage amount, the damages will come out of your pocket. To avoid this, you may want to consider larger coverage amounts of Arkansas auto insurance coverage.
What if I can't find Arkansas auto insurance?
If you are unable to obtain Arkansas auto insurance though the normal market, you may apply for coverage through the Arkansas Automobile Assigned Risk Plan. You can apply for this form of Arkansas auto insurance through any auto insurance agent.
Can my Arkansas auto insurance be cancelled?
According to the Arkansas Department of Insurance, your Arkansas auto insurance company may only cancel your policy for:
- Nonpayment of premium
- Fraud or misrepresentation
- Homicide arising from the use of an automobile
- Three separate convictions of speeding or reckless driving within your policy period
- Conviction of drunk driving
Your Arkansas auto insurance company must give you a 20-day written notice of cancellation citing one of the abovementioned reasons. However, if your policy is being cancelled for nonpayment, your Arkansas auto insurance company is only required to give you a 10-day notice.
Remember: If your Arkansas auto insurance is cancelled or non-renewed, you may seek coverage through the Arkansas Automobile Assigned Risk Plan.
Are there ways to save money on Arkansas auto insurance?
Discounts are the most common source of savings when it comes to Arkansas auto insurance. Before you buy a policy, make sure you ask the agent if they offer discounts for the following:
- Insuring multiple vehicles
- Insuring your automobile and your home with the same company
- Completion of driver's safety courses
- Student drivers with good grades
- Anti-theft and safety devices
- Low mileage
- Blemish-free driving record
What if I still have questions about Arkansas auto insurance?
For more information on Arkansas auto insurance, contact the Arkansas Department of Insurance at (800) 282-9134, or visit them on the Web.
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