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Owners of registered vehicles in Arkansas are required to maintain liability insurance. This protects drivers against costs related to accidents involving personal injury or property damage. All drivers are responsible for damage they cause. Medical expenses for injuries are also the responsibility of the at-fault party. Arkansas requires personal injury protection in addition to the standard liability coverage. This means that immediate medical attention will be covered even before a claim settlement is reached by insurance companies. Drivers in Arkansas are encouraged to review the laws pertaining to auto insurance.
Liability Insurance Minimum RequirementsOwners of registered vehicles must purchase a liability insurance policy that covers injuries to a non-fault individual up to a cost of $25,000. The policy must cover all medical expenses for innocent victims up to $50,000 per accident. Personal property damage must be covered by insurance as well. A liability policy in Arkansas must contain coverage of at least $25,000 for vehicle damage or to replace other personal property.
Personal injury protection is automatically included when a liability insurance policy is purchased in Arkansas. The insurance provider or independent agent will explain the cost of this coverage when a quote is generated. Vehicle owners have the option of purchasing uninsured motorist protection as part of a liability policy. This UM protection is not required by law. Many drivers opt for this coverage because regular liability protection does not include reimbursement for vehicle damage caused by an uninsured motorist.
Driving Without Required InsuranceThere is an automatic $25 fine if a driver fails to show proof of required liability insurance to a law enforcement official. This fine will be dropped if the vehicle owner can later show proof that the vehicle was covered at the time the citation was issued. If the individual cannot provide proof of coverage, a larger fine will be imposed by the court. Those with multiple infractions on their driving record may have their driver's license temporarily suspended until proof of insurance is shown. Arkansas has an insurance verification program that checks for liability coverage on the part of the driver. Insurance companies or licensed agents must report any cancellation of coverage to the state government.
Individuals involved in an accident resulting in injury or personal property damage totaling more than $500 must complete form SR-21. This form provides proof of financial responsibility to the state government. If a vehicle owner is cited for lack of insurance coverage, he or she may have to obtain SR-22 insurance though a licensed agent in order to have a driver's license reinstated.
Driving While IntoxicatedA blood alcohol content greater than 0.08 percent is considered intoxication in Arkansas. Anyone operating a motor vehicle is breaking the law if their blood alcohol level exceeds this percentage. Refusal to take a blood alcohol test will result in a revocation of the driver's license for six months. Those convicted of a first offense for driving under the influence of alcohol face a monetary fine of up to $1,000. A license suspension of six months is usually handed down by the court. An alcohol education program must be completed in order to have the license reinstated.
What else can I help you with?
Is boat insurance mandatory in Arkansas?
Yes. You mustang show proof of liability insurance for all boats with motors over 50 horsepower in order to obtain your arkansas boat registration.
Certificate of liability insurance?
It's proof of insurance.
Which states do not require liability coverage for auto insurance?
All states either require insurance or proof of financial responsiblity.
What is the law on auto liability insurance in Tennessee?
Tennessee requires "Proof of Financial Responsibility" which can be satisfied by liability insurance with minimums of 25/50/10. Otherwise, a bond or other assurance of ability to pay damages is required. Proof is not required at the time of vehicle registration, but penalties are incurred if proof is not provided at the time of an accident. Proof is required regardless of fault, so all parties must provide it. Most drivers opt for insurance.
Where can you print proof of insurance with farmers?
Farmers Group Inc typically requires its insureds to contact their agents directly to make a request for proof of insurance.
What are the requirements to get a NC drivers license?
Proof of age and identityProof of social securityProof of residencyProof of liability insurance
Can you get liability insurance on your car if the insurance company totals it?
Normally yes. Some companies may require proof that you have repaired the car and it is road-worthy.
No proof of insurance fine Arkansas?
300.00 I got a ticket for this. I got insurance the day after getting the ticket. The judge gave me credit off the ticket for getting proof of insurance and then they added court cost . In total it cost me 215 bucks plus the cost of insurance.
Is sr22 insurance provided by private insurance companies?
In the United States, an SR-22 is a vehicle liability insurance document used by some state Department of Motor Vehicles (DMV) offices. It provides proof that a driver has the minimum required liability insurance coverage for that particular state.
Can you purchase a car without buying insurance?
Yes, but most states require insurance before you can register or license the car.Expanded AnswerThe individual states, almost unanimously, require licensed drivers to carry a certain level of liability insurance. But I do not know of a state that requires proof of insurance as a condition of mere ownership of a motor vehicle.This issue has come to the public eye in recent months because of comparisons between state requirements for automobile liability insurance and proposed federal requirements for health insurance. It is claimed by advocates of federally-imposed health care insurance that the mandate is similar to that imposed by most states with regard to automobile liability insurance.
What is proof of liability insurance?
A certificate of insurance , with you named as the cewrtificate holder. However, you should always call the agent listed on the sertificate to verify that the coverage and policy is in force.
Does homeowner insurance cover a contractors mistake?
The contractor should be bonded and carry liability insurance and you need to require proof of this before they start. Homeowners insurance is not meant to guarantee work on homes.
