Driving without insurance is illegal in Arkansas. If you are caught, you can face mandatory fines ranging from $50 to $250 for a first offense; $250 to $500 for a second offense, and $500 to $1,000 for a third offense. Drivers convicted of three or more offenses can also face up to one year of incarceration in the county jail.
Despite these penalties, an estimated 16.6% of drivers in this state are operating uninsured vehicles. This can cause headaches for you if one of these uninsured drivers is responsible for a collision with your car.
The at-fault driver is responsible for covering your damage and any needed medical treatments. However, if an uninsured driver simply doesn’t have the money available, you may need to go through expensive and time-consuming lawsuits just to collect a fraction of what is due to you.
That is why uninsured motorist insurance can prove so beneficial. This optional coverage can pay for your vehicle’s repairs and your medical expenses if you are in an accident caused by an uninsured, underinsured, or hit-and-run driver. Your insurance company will then take on the responsibility of trying to collect the money owed from the at-fault driver.
In Arkansas, all car insurance companies must offer uninsured/underinsured motorist coverage. If you opt not to purchase it, you must do so in writing.