Arkansas Car Insurance Requirements
The Minimum Amount Allowed By Law
Arkansas car insurance requirements state that anyone that drives a car in the state of Arkansas must carry a minimum amount of liability coverage. The required minimums are what is known as a 25/50/25 plan. This means that the minimum amount of auto insurance required by law is $25,000 for bodily injury liability per person, $50,000 for bodily injury liability per incident, and $25,000 for property damage liability.
Proof of Insurance
In addition to having at least a minimum amount of insurance you must also be able to provide proof of insurance if it is requested by a law enforcement official. If you're pulled over for a traffic violation there is a good chance the officer will ask to see your license, registration, and proof of insurance and you must be able to provide these whenever a peace officer makes the request.
Tort System
The state of Arkansas uses a tort system which means that if there is an automobile accident someone must be found to be at fault. The person who was found to be at fault is responsible for paying for the other party's medical expenses and property damage. The other party also has the right to sue the driver at fault for damages for things like pain and suffering, lost wages, etc. When you have an automobile insurance policy your insurance provider will assume this financial obligation up to the dollar amount stated in your policy.
Additional Coverage
Arkansas car insurance requirements state that you must carry at least a minimum amount of liability coverage but of course you also have the option to purchase additional coverage if you feel that the state mandated minimums are not enough.
