Arkansas requires every driver to carry auto insurance. The minimum requirement for Arkansas drivers is $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 per accident for property damage liability. All coverages are limited to any terms and liabilities of your auto insurance company, so be sure to understand the coverage they offer by speaking with one of their representatives.

Bodily injury liability:
Bodily injury coverage will only cover the other party’s injuries, death, loss of wages, and pain and suffering costs if you are at fault in an accident, not the injuries, death, loss of wages, and pain and suffering costs of you or anyone else on your policy. You will need to purchase Medical Payment coverage for your policy or use your own health insurance if you want coverage for yourself and dependents’ medical expenses. In the event you are sued by the other party, this coverage will also cover the expense of representation in court. This provided representation may be by your auto insurance company.

Property damage liability:
The cost of repairing accidental damage to another person’s property — be it a car, fence, pole, wall, post, etc — with your vehicle, will be covered by property damage liability. Property damage liability will also cover any legal costs that may ensue from the accident. Any additional costs over your coverage amount could leave you paying for repairs out of pocket. If you want coverage of any damage incurred to your own vehicle, you will need to purchase Collision coverage.

Arkansas operates under a tort auto insurance system; it does not acknowledge the no-fault system. This means by law of the state of Arkansas the at-fault driver’s auto insurance company is responsible to pay for medical expenses and property damage in addition to compensating for additional damages, i.e. pain and suffering and/or loss of wages of the other party. Take this law into consideration when deciding how much coverage you want to purchase for your auto insurance policy, making sure to protect yourself from having to pay additional funds out of pocket if you or one of your dependents are ever in this situation.

Although you are not required to carry collision and comprehensive collision, it is suggested by experts that you think about not carrying these coverages if the resale value of your car is less than $3,000. Not carrying these coverages does mean that if your car is damaged or stolen, you would be responsible to pay for repairs or replacement out of your own pocket. Collision and comprehensive is an expensive part of your Arkansas car insurance, but ultimately you must decide what’s best for you here.

You risk the suspension of your vehicle registration if you fail to provide proof of your auto insurance policy at the time of an accident or during a traffic stop. You will need to prove you have the required auto insurance coverage for the state of Arkansas before the suspension will be removed.

Arkansas Auto Insurance Requirement Chart:

• Bodily Injury Liability: $25,000/$50,000 Limit
• Bodily Injury Liability: $25,000/$50,000 Limit

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