Auto Insurance

Minimum Car Insurance Requirements in Arkansas

In order to operate your motor vehicle in the state, you need to have certain minimums when it comes to car insurance. Liability insurance will cover property damage and bodily injury claims that come from an accident that is your fault. You must have $50,000 for bodily injury per accident and $25,000 per person. You also must have $25,000 for property damage liability. Car insurance companies are required to provide a monthly notice for all active policies. If you aren’t able to produce proof of coverage, you could face steep penalties, including fines and the suspension of your license.

Optional Coverage to Add in Arkansas

The minimums may not be enough to protect you financially, and there are other coverage options you can add to be fully protected. Discuss your options with an agent at Bryan Insurance Agency, Inc.

Collision coverage pays for damage to your vehicle if your car hits another vehicle or an object, such as a guardrail. With collision coverage, it won’t matter if you are at fault for the accident. Comprehensive coverage will cover damages to your car not caused by an accident, such as theft or vandalism. It can also cover weather damage, collisions with animals, and fire. Uninsured and underinsured motorist coverage can protect you from those drivers that don’t have insurance, even though it is required. These motorists can end up costing you if you don’t have this type of insurance policy. Personal injury protection will help with costs beyond your medical ones in the event of an accident. It can pay for medical expenses, as well as work loss and funeral costs. It also covers passengers.

You can purchase any or all three parts of personal injury protection that include medical payments, lost wages, and death benefits. If you don’t want one of the parts, you will need to reject it in writing.

Contact Bryan Insurance Agency, Inc. to get a quote on auto insurance.