All car owners must have liability coverage. Liability coverage pays for any claim in which you are at fault for an accident. In Arkansas, all drivers must have liability coverage that meets the state's minimum auto insurance requirements. If you own a car in Arkansas, the law requires you to maintain adequate insurance, keep proof of insurance in your vehicle, and keep your registration labels up to date.
Not having car insurance in many states can make you a high-risk driver when buying car insurance. Arkansas auto insurance companies must also offer coverage for uninsured or underinsured drivers, but the policyholder can decline it. Some car insurance qualifying factors, such as your driving history, can significantly affect your insurance costs. Arkansas car insurance laws require that all drivers have at least one insurance policy with minimum coverage.
Vehicle insurance premiums are regulated by the Insurance Department of the Arkansas Department of Finance and Management. The consequences of driving without insurance exceed the monthly insurance premium and may result in the following penalties. Arkansas also requires that your insurance company offer you personal injury protection (PIP) insurance and requires that, if you don't want to have it, decline the offer in writing. The terms, definitions and explanations of insurance are for informational purposes only and do not replace or modify in any way the definitions and information contained in the individual pages of contracts, policies or insurance statements, which are decisive.
If you can't drive your car because of a covered loss, this coverage helps pay for a car rental or other transportation expenses so you can get back on the road. All insurance products are governed by the terms of the applicable insurance policy, and all related decisions (such as coverage approval, premiums, fees and charges) and policy obligations are the sole responsibility of the insurance insurer. In some states, your vehicle can be towed and you won't be able to claim it until you present proof of insurance. The law resulted in a new insurance verification system that allows Arkansas law enforcement officials to immediately check the status of drivers' insurance and whether the insurance was recently purchased or has expired.
All Arkansas drivers must have a minimum amount of auto insurance in order to legally operate their vehicle.