SR-22 Auto Coverage in Arkansas
SR-22 Auto Insurance in Arkansas
As you probably already know, in the state of Arkansas, auto insurance is mandatory for any vehicle that uses public roads. There are certain minimum levels of auto insurance you must carry, and those are:
- $25,000 bodily injury for one person in one accident
- $50,000 for two or more persons in one accident
- $25,000 property damage incurred in one accident
What is SR-22 high risk Arkansas auto insurance?
For those considered "high risk" drivers, SR-22 auto insurance may be necessary. In simple terms, SR-22 insurance is a form that is used to prove that insurance is ongoing and valid. Individuals who have DUI convictions are often required to carry SR-22 auto insurance. This is true in most states, including Arkansas.
Every state is allowed to set up its own SR-22 policies. In Arkansas, those required to carry SR-22 auto insurance are most often required to carry it for between three and five years. If the policy is canceled or payments are not made on it, the insurance company will notify Arkansas DMV immediately, and the driver's license and registration will be suspended.
Who is high risk?
Under Arkansas auto insurance law, the following individuals may be considered high risk drivers:
- Those convicted of DUI offenses
- Repeated ticketing offenders (getting a lot of tickets in a short time)
- Reckless driving offenders
- Excessive speeding violations
Important limitations on SR-22 insurance
SR-22 auto insurance cannot travel from one state to another. If you move into Arkansas, and are under SR-22 requirements, then you will need to get a new in-state policy. Any lapse in SR-22 coverage is reported to the Arkansas DMV, and can result in termination of driving privileges.