When shopping for car insurance in Arkansas, it is important to understand the different kinds of insurance policies. For example, only liability insurance is required in Arkansas, but it doesn’t cover any damages to your own vehicle.
Liability insurance only covers medical and car repairs for the other driver if you are at fault for the accident. This can leave you to pay for car repairs out of pocket. The minimum amount of liability coverage required in Arkansas is 25/50/25. This means that $25,000 will be used for medical expenses if 1 person was involved. If 2 or more people are injured, $50,000 dollars will be available to pay for the medical bills of the people in the car that was hit. Another $25,000 dollars will be available for car repairs and other property damage (such as a guardrail, mailbox, or street sign). More coverage may be a good idea because the cost of car and property damage can easily exceed $25,000.
Comprehensive insurance will cover your costs in case of an accident. It will also pay for damages if you are involved in a single vehicle accident such as hitting a deer or running into a guardrail. Comprehensive coverage is recomended for all drivers, but isn’t required by state law.
Uninsured motorist protection will cover you in case of a hit and run, or a driver without liability insurance. This will also pay for your remaining medical expenses and property damage if the other drivers insurance doesn’t cover all of it.
Find the right car insurance policy today. Getting a quote is fast, simple, and can save you money.
