Arkansas Auto Insurance Laws
Auto Insurance Laws and Trends in AR
Arkansas, like most other states, has adopted the tort system of insurance. This means that the driver who has been deemed at fault for an accident is responsible for all damages and injuries incurred as the result of an automobile accident. Also, in Arkansas, liability insurance is a must. The fact is: In Arkansas, all drivers must carry minimum limits of property damage and bodily injury liability.
Over the past few years, Arkansas has been focusing on two main areas of insurance. These areas are DUIs and teenager drivers. New laws have been put in place to help combat drivers who violate these laws in an effort to keep insurance rates low, as well as save lives.
Arkansas auto trends
The number of traffic related deaths among teenagers has skyrocketed in Arkansas over the past few years. In an effort to reduce these numbers, Arkansas has implemented strict regulations and penalties. Any driver under the age of 21 is prohibited to talk on a cell phone while driving. If they are under 18, he or she cannot even use a hands -free device. Texting while driving is also prohibited. If caught, a driver faces fines and possible license suspension.
Teenagers are also subject to zero tolerance alcohol levels. This means that they cannot even have one drink and then get behind the wheel and drive. Again, if caught, they will face heavy fines, suspensions, community service, and depending on the severity, perhaps even jail time.
Arkansas auto insurance regulations
The rules and regulations regarding DUIs are also very strict. Two court cases must be attended with a DUI in Arkansas. The first court case is the criminal court case, in which the driver could face jail time, fines, and alcohol abuse courses. The second case will revolve around the driver's license suspension. If the court time isn't requested within 7 days, the driver will have his or her license suspended immediately.