Arkansas Insurance Forms

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Insurance Forms FAQ

What is insurance?

Insurance is a contract, called an insurance policy, in which the insurer, agrees to pay the insured party all or a portion of any loss suffered by accident or death for a fee called an insurance premium. The losses covered by the policy may include property damage or loss from accident, fire, theft or intentional harm; medical costs and/or lost earnings due to physical injury; long-term or permanent loss of physical capacity; claims by others due to the insured's alleged negligence, or the loss of someone's life.

What laws govern insurers?

In 1944, Congress enacted the McCarran-Ferguson Act, which provided that the laws of the several states should control the insurance business, but that the Sherman Act, the Clayton Act, and the Federal Trade Commission Act were applicable to the insurance business to the extent that it was unregulated by state law.

The McCarran-Ferguson Act, broadly speaking, gives states the power to regulate the insurance industry. While state insurance statutes override most federal laws, some portions of federal law (like federal tax laws) are always controlling. To determine whether a particular law governs, the determining factor is whether the issue is related to the "business of insurance", where state law governs, or whether it is related to peripherals of the industry, such as labor, tax, and securities, where federal law governs.

What can be done is an insurer wrongfully denies a claim?

Insurers may be guilty of bad faith for failing to promptly and thoroughly investigate a claim, unreasonably delaying payment, unreasonably denying benefits to a claim, using unreasonable interpretations in translating policy language, or refusing to settle the case or reimburse you for the entirety of your loss, etc. Unless a time period for settling a claim is defined in the policy, a "reasonable time" generally applies, which is a subjective term, depending on the facts and circumstances in each case.


Bill of Sale – By Type (5)

A Bill of Sale is a legal document that records the sale of an item or property between a buyer and a seller. There are five common types of Bills of Sale, each serving a different purpose. In Arkansas, these types include a General Bill of Sale used for the sale of personal property, a Vehicle Bill of Sale for buying or selling automobiles, a Boat Bill of Sale for watercraft transactions, a Firearm Bill of Sale for the sale of firearms, and a Livestock Bill of Sale for buying or selling livestock. These documents are essential for both parties involved in the transaction to ensure a clear transfer of ownership and protect their rights in accordance with the law.


Number of Copies

The number of copies in Arkansas refers to the quantity of duplicate documents or records in the state. It means how many extra copies of something are made and stored. For example, if an important document needs to be distributed to different departments or agencies, multiple copies are created to ensure everyone has a copy. The count of copies is important for keeping track of information and facilitating communication among different parties in Arkansas.


Does a Bill of Sale Have to be Notarized in Arkansas?

In Arkansas, a Bill of Sale does not have to be notarized. It is not a legal requirement in the state. However, some individuals may choose to have their Bill of Sale notarized as an extra security measure or to provide additional proof of ownership. Notarization involves a notary public certifying the document with their signature and seal, confirming that the parties involved have signed the Bill of Sale voluntarily and in the presence of a witness. While not mandatory, notarizing a Bill of Sale can add credibility and help prevent any potential disputes or misunderstandings in the future.


Vehicle Registration Forms

In Arkansas, vehicle registration forms are documents that you need to fill out and submit to the appropriate authorities when registering your vehicle. These forms are essential because they contain important information about your vehicle, such as its make, model, year, and identification number. To complete the vehicle registration process in Arkansas, you must accurately fill out these forms and provide any required additional documentation, such as proof of insurance or previous ownership. It is crucial to make sure that you provide accurate and up-to-date information on these forms to ensure a smooth registration process and avoid any potential penalties or issues in the future.


Boat Registration Forms

Boat registration forms in Arkansas are necessary documents that boat owners need to fill out in order to legally operate their boats on the state's waters. These forms serve as an official record of ownership, providing important information about the boat and its owner. To register a boat, one needs to provide personal details, including their name, address, and contact information. Additionally, the boat's specifications, such as its make, model, length, and hull material, will also be required. These forms are essential to ensure that boats are properly registered, promoting safety and facilitating the enforcement of waterway laws.