Arkansas's minimum insurance policy doesn't pay for your car repairs or treatment. However, if the claim is not justified or the health insurer needs more information to process it, the health insurer has 30 days to collect the information and, once the health insurer has received all the required information, the 30-day (electronic) and 45-day (non-electronic) payment rules will apply. This law eases the insurance burden for dealers by extending the insured's coverage to cases where the dealer lends a vehicle to the insured. If licensed insurers don't want or can't provide the necessary coverage, you can get coverage with an approved surplus line insurer through an authorized surplus line broker.
Two key differences are the minimum insurance requirements and the consequences of not having valid insurance.