Arkansas Auto Insurance - (AR)

Auto insurance laws in Arkansas are designed for your safety and protection as well as the protection of anyone or any thing you may be involved in an automobile accident with. In today’s litigious society, failing to carry adequate liability insurance can very quickly lead to financial ruin if you are involved in an accident that you are ruled even partially at fault for. In keeping with this need for protection, Arkansas has implemented the following rules and guidelines for auto insurance:

• All vehicles currently in service must have coverage: Whether you drive a motorcycle, SUV, truck or van, you must have liability insurance coverage. There are some exemptions for travelers to the state and those who have recently moved to Arkansas.
• Insurance coverage must meet certain minimums: In Arkansas, the minimum levels of insurance required are $25,000 bodily liability, $25,000 property and $50,000 total per accident.
• You must be able to provide proof of insurance: If requested by a peace officer, you must surrender proof of insurance for your vehicle or you could suffer penalties. Most officers will ask for proof of insurance when stopping your vehicle for another possible infraction.

Be sure when working with a broker that they provide you with these minimum amounts at the very least. You may want to seriously consider getting more coverage than the minimums in order to protect yourself from lawsuit if you are in a serious accident with damages or injuries totaling more than your insurance allows for.

Insurance Proof is State-Regulated

In 1997 a program was launched in Arkansas to track all auto liability insurance for vehicles registered in the state. Insurance companies will report their auto policies to the state with information to match the policy to the vehicle. These insurance companies also notify the state immediately if there is a lapse or cancellation in the insurance policy. If the state receives notice that your policy is no longer active for any reason, you will receive notification that you must quickly remedy the situation with proof or the vehicle’s registration will be suspended.

If you are no longer driving the vehicle or no longer own it, you should notify the Office of Motor Vehicles in Little Rock so that they understand when and why the policy cancellation comes in from the insurance company.

Department Of Arkansas (AR) State Government That Regulates Car Insurance Quotes:
Web Site: www.insurance.arkansas.gov
Email: insurance.consumers@arkansas.gov

How To Contact Directly:
Arkansas Insurance Dept.
Consumer Services Div.
1200 W. Third St.
Little Rock, AR 72201-1904
Phone: 1-501-371-2600
Toll Free: 1-800-282-9134

Arkansas (AR) Mandatory Auto Insurance Minimums

• Liability: 25/50/25 = Bodily Injury Individual/Bodily Injury Total Per Accident/Property Damage
• Other Mandatory Insurance: Personal Injury Protection
• Regulations Regarding Proof of Insurance: Proof Required - When Obtaining Registration
• Penalties For Not Carrying Mandatory Insurance: Fine up to $250

How To File A Complaint About An Insurer:

How To File A Complaint About An Insurance Company With The Arkansas Insurance Department