Arkansas Vehicle Policy
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How to fill out Vehicle Policy?
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FAQ
LITTLE ROCK, Ark. A new law in Arkansas went into effect January 1 requiring that all drivers in the state have vehicle insurance.
Contrary to popular belief, car insurance typically follows the car not the driver. If you let someone else drive your car and they get in an accident, your insurance company would likely be responsible for paying the claim, depending on the coverages in your policy.
Nebraska's car insurance minimums are roughly on par with most other states. However, carrying the bare minimum coverage is rarely enough to fully protect you and your assets.
According to Claims Journal, Cover.com, and The Zebra, when a personal vehicle has liability coverage, that coverage always follows the driver. If you cause an accident when driving someone else's car, your liability policy will take care of the costs.
Car insurance usually follows the car in Arkansas. The types of car insurance that follow the car in Arkansas are bodily injury liability, personal injury liability, collision, and comprehensive. You're required to carry bodily injury liability, property damage liability, and PIP in Arkansas.
According to the Arkansas Code § 27-19-713 under the Motor Vehicle Safety Responsibility Act, valid proof of insurance is an essential condition to owning and operating a car in the state. Not complying can result in serious penalties, including heavy financial sentences and jail time.
Every automobile owner must have liability coverage. Liability coverage pays for any claims when you are at fault in an accident. The minimum liability you are required to carry by law is $25,000 per person for bodily injury, $50,000 per accident and $25,000 to cover property damage to other's property.
Arkansas only requires liability coverage to be a legal driver. However, there are a number of different types of coverage you can add for further protection. Here is a list of some of the more common coverage types.
Arkansas law requires that all drivers carry liability coverage. This coverage pays out if you injure another driver or their passengers. It also covers their lost wages as well as damage to the other driver's vehicle.
Minimum Required Coverage for Arkansas Auto Insurance:Bodily injury liability coverage: $25,000 per person and $50,000 per accident.Property damage liability coverage: $25,000 per person.Uninsured motorist bodily injury coverage: $25,000 per person and $50,000 per accidentMore items...