Arkansas Automobile
Insurance
In Arkansas the following AR car
insurance 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.
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