Arkansas Automobile Insurance

In Arkansas the following coverages are mandatory- 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.  Almost all insurers offer higher limits. When you apply for liability coverage, you must be offered an opportunity to purchase coverage for uninsured motorist bodily and property damage, underinsured motorist coverage for bodily injury and personal injury protection coverage.

Uninsured motorist coverages cover you and your automobile if the other driver is at fault and does not have liability insurance.

Underinsured motorist coverage gives you additional protection if the other driver is at fault and doesn’t have enough coverage to cover your injuries.

Personal Injury Protection provides you with wage loss, death benefits and medical coverage regardless of fault.

 You may also purchase comprehensive and collision coverages.  Comprehensive coverage protects against damage to your automobile from acts of nature or other events not associated with operating the automobile.  Collision coverage protects against damage to your automobile when it is involved in an accident.

The mandatory discounts are the College Graduate Discount and Defensive Driver Discount for those insureds 55 years of age and over who have successfully completed a course approved by the Office of Driver Services.  Check with your agent for any other discounts your insurer may offer.

 Note: State Car Insurance regulations can change. Please check with your state's Motor Vehicle Department   for the most current regulations.