Arkansas Auto Insurance
Arkansas Auto Insurance
The state of Arkansas has a strict policy in car insurance. You really have no excuse to not have insurance for your automobile. They will be notified if you drive your car without an insurance and if you get caught then your vehicle registration will be suspended. And you can only recover it prior to having a current proof of insurance.
Coverage
The state requires you to follow the 25/50/25 coverage.
Mandatory Minimum Liability Coverage
• Bodily Injury or Death Coverage Per Person – $25,000
• Bodily Injury or Death Coverage, Per Accident – $50,000
• Property Damage Per Occurrence – $25,000
Tort System
Arkansas follows the tort system. This means that in the event of a traffic collision, the person found at fault will be held responsible for the injuries and damages they have acquired. The exceeding expenses will be charged to the insured person (only if it exceeds in the policy agreed).
Electronic Reporting
The states of Arkansas also follow the electronic reporting. The database includes the following information:
- Existing and new policies;
- Insurance reinstatements;
- Non-renewals; and
- Cancellations.
So you cannot get away with the state without an insurance policy for your car because of their strict system. You must have an insurance policy that sufficiently meets the legal requirements or else you may end up in bars.
