Arkansas Auto Insurance

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Arkansas Auto Insurance-Q&A

Do I need to buy Arkansas auto insurance?

Yes, as a motorist in Arkansas, you have to carry Arkansas auto insurance in the form of liability coverage.

What are Arkansas auto insurance requirements?

Coverage for bodily injury and property damage are required for all motorists.

Bodily Injury Liability-provides protection against claim filed by a person injured in an accident at which you are at fault.

Property Damage Liability- provides protection against a claim for damage to others’ property you cause in an accident.

You will be covered up to the limits stated in your Arkansas auto insurance policy.

How much Arkansas auto insurance should I buy?

The minimum requirements are:

Bodily coverage: $25,000 total per person and $50,000 total per accident

Property damage: $25,000 total

You are covered up to these amounts but not beyond that. Therefore, consider larger amounts of coverage of Arkansas auto insurance coverage just in case you get sued for an amount beyond your coverage because you have to pay for the damages yourself without a larger coverage.

What can I do if I can't find Arkansas auto insurance?

You can try applying for coverage through Arkansas Automobile Assigned Risk Plan if you cannot find it through the normal market. This kind of Arkansas auto insurance can be applied through any auto insurance agent.

Can my Arkansas auto insurance be cancelled?

It may be cancelled due to the following reasons:

-You do not pay the premium

-Misrepresentation or fraud

-Murder which result from the use of an automobile

-You are being convicted three separate times for speeding or reckless driving within your policy period

-You are convicted for drunk driving

A 20-day written notice of cancellation must be given by your auto insurance company to you stating the reason. If your policy is being cancelled due to non-payment, only a 10-day notice is required.

If your Arkansas auto insurance is being cancelled or non-renewed, you may apply for coverage through Arkansas Automobile Assigned Risk Plan.

How can I save money on Arkansas auto insurance?

Discounts play a huge role in helping you to save money on your auto insurance. Ask your agent whether they offer discounts for:

-Insuring your vehicle and home with the same insurer.

-Insuring multiple vehicles.

-Low mileage.

-Excellent driving record.

-Students with good grades.

-Completing driver’s safety courses.

-Installing anti-theft and safety devices.

Discount amounts vary between companies, so you should ask about the discount amounts from several companies to compare.

Who should I contact if I still have questions about Arkansas auto insurance?

You can contact the Arkansas Department of Insurance at (800) 282-9134, or visit their website.

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