Do you have to have auto insurance in Arkansas?
Arkansas requires that each motor vehicle in operation on the state’s roads be covered by liability insurance. The required minimum amounts of liability car insurance coverage in Arkansas are: $25,000 for injury to or death of one person in an accident caused by the driver of the insured vehicle.
Is it illegal to not have car insurance in Arkansas?
Arkansas Penalties for Driving Without Car Insurance
The penalties for driving without car insurance in Arkansas include: Mandatory fines for first offense range from $50 to $250 for the first offense, $250 to $500 for the second offense and $500 to $1,000 for the third offense.
Do you have to have insurance in Arkansas?
Arkansas law requires that every person operating a motor vehicle on the streets and highways have liability insurance coverage. … All drivers must carry proof of insurance with them in their cars. A driver can be ticketed, and a car can be impounded-that is-towed away, if the driver cannot produce proof of insurance.
Can you register a car without insurance in Arkansas?
You cannot register a car without insurance in Arkansas. Proof of insurance is required at the time of registration.. In Arkansas, you are required to have $25,000 in bodily injury liability coverage, up to $50,000 per accident, along with $25,000 in liability coverage for property damage.
Does insurance follow the car or the driver in Arkansas?
A. No. Typically, insurance coverage follows the automobile and not the person. However, Ark.
How long after buying a car do you have to get insurance in Arkansas?
The Arkansas new-car insurance grace period is 2 to 30 days in most cases. The new-car grace period is how long insured drivers are allowed to drive a newly purchased vehicle before adding it to an existing car insurance policy.
What happens if someone hits you and you don’t have insurance in Arkansas?
Even if the victim does not have insurance, the at-fault driver and their insurance company could still be made to pay for the victim’s injuries. However, Arkansas requires every driver to carry car insurance to cover injuries they cause on the road.
Can I go to jail for driving without insurance?
In most states, driving while uninsured is considered a misdemeanor offense, and can potentially lead to a prison sentence. Jail time will most likely not be imposed for a first offense, unless you cause a serious accident. But repeat offenses will incur higher fines and stiffer punishments, possibly including jail.
Is Arkansas a no fault state?
Arkansas is an “at fault” state. This means that the person responsible for the accident is also responsible for the damages they have caused. An at-fault insurance policy will cover damages and injuries to the victims of the car accident. … Filing a personal injury lawsuit in civil court.
What is the minimum of insurance you must have to drive a car in Arkansas?
Minimum Required Coverage for Arkansas Auto Insurance:
Bodily injury liability coverage: $25,000 per person and $50,000 per accident. Property damage liability coverage: $25,000 per person. Uninsured motorist bodily injury coverage: $25,000 per person and $50,000 per accident*
Is Arkansas a tort state?
Arkansas is a tort state, which means the at-fault driver in an accident uses their liability insurance to pay for other people’s medical bills and repair expenses up to the limits of the policy.
What is the purpose of vehicle liability insurance in Arkansas?
Liability coverage provides for your legal defense if a lawsuit is brought against you as a result of a covered accident. As a resident of Arkansas, there are two types of liability coverage your insurance policy must include: property damage and bodily injury.