Bodily Injury Requirements in Arkansas
Bodily injury liability insurance helps pay for another party's medical bills due to an at-fault accident. In Arkansas, you'll be required to carry $25,000 per person and $50,000 per accident in bodily injury liability coverage.
Most of the time, insureds choose higher limits than the state minimums for enough protection. If you're found without proper coverage you could be penalized with fines or worse.
Property Damage Requirements in Arkansas
You will be required to have property damage liability under your auto policy in Arkansas. This coverage helps pay for damage to another person's property due to an at-fault accident.
State law requires every driver to have the minimum limits of protection. In Arkansas, you'll need at least $25,000 in property damage liability insurance.
Personal Injury Protection Requirements in Arkansas
You won't be required to carry personal injury protection in Arkansas. However, medical payments coverage is a different story. Medical payments can help pay for your medical expenses when you're in an accident, and is optional.
Contrary to popular belief, you're not covered for injuries that you sustain from an at-fault accident without medical payments insurance. This could put a dent in your finances if you're not properly insured.
Uninsured Motorist Coverage in Arkansas
In Arkansas, uninsured motorist coverage is not a requirement by law, but it's vital if you want the right protection. It helps pay for damage or injury from an accident involving an uninsured driver.
Just because car insurance is mandatory in Arkansas, it doesn't mean everyone listens. There are 16.6% of all drivers in Arkansas that are uninsured. That leaves you open to risk if you're without uninsured motorist coverage.
Optional Car Coverage in Arkansas
If you want full coverage in Arkansas, you'll need more than just liability protection. Collision insurance and comprehensive insurance will help pay for damage to your car that occurs from an accident. It pays for your loss instead of only the other party's.
You can also add rental car insurance that reimburses for a replacement vehicle when you have a covered claim. Adding roadside assistance can help you if you're stranded on the side of the road and need a tow or tire change.
Car Insurance Discounts to Consider in Arkansas
There are numerous ways to obtain a discount on insurance in Arkansas. One of the easiest is to have more than one policy with a carrier for savings of 30% or more in most cases.
If you're a member of a teachers union or government agency, insurance companies often give a discount. Another way to cut costs is by remaining with the same carrier each year for a loyalty discount.
How to File a Car Insurance Claim in Arkansas
Filing a car insurance claim can be confusing, especially when you're already overwhelmed with an accident. Follow these easy steps to report a car insurance claim in Arkansas.
First, you'll want to get to a safe place and tend to any injuries. Next, contact your independent insurance agent to report the loss. Third, obtain your claim number and a rental vehicle if necessary. Last, speak with your adjuster and collect payment.