Auto Coverage in Arkansas
Arkansas Auto Insurance
In Arkansas, drivers are required to carry liability insurance in the form of an Insurance ID Card, which must be shown any time they are pulled over by a police officer or in case of an accident.
When a driver tries to register a vehicle in the state of Arkansas, he or she must show proof of insurance in order to qualify.
Arkansas minimum auto insurance
Arkansas drivers are required to have the following minimum coverage:
- Bodily Injury and Death: $25,000 to cover one person in any one accident, and $50,000 to cover all injuries
- Property Damages: $25,000
Arkansas does not require other forms of coverage (such as Collision and comprehensive insurance), but many drivers choose to purchase this insurance anyway, to help protect their cars or vehicles.
Penalties without Arkansas auto insurance
Drivers who are in an accident but can't show proof of insurance will receive a misdemeanor on their record. The court can also order that the vehicle be impounded until the driver receives proof of coverage. Drivers found to be at fault must compensate victims or their driving privileges can be suspended or revoked. Uninsured motorists also will need to file an SR-22 Certificate, which shows proof of insurance, with the DMV.
Arizona also has a unique electronic program developed by the state, requiring drivers to report that they have insurance.
Arkansas Auto Insurance Laws
- Compulsory Liability Insurance Law (1954)
- Financial Responsibility Law (1954)