The state of Arkansas follows the Tort system as a means of verifying AR auto insurance requirements. The local Department of Motor Vehicles is responsible for ensuring road users purchase the minimum mandatory levels of coverage. Auto insurance AR requirements are as follows:
- $25,000 worth of bodily injury liability coverage per person
- $50,000 worth of bodily injury liability coverage per accident
- $25,000 worth of property damage liability coverage
Uninsured/underinsured motorist coverage and personal injury protection are optional policy additions and are recommended. However, there is no obligation to actually purchase these items.
All AR auto insurance policies can be upgraded to include additional levels of coverage. As a guide, road users are advised to supplement their policies with extra features only if they have a new vehicle or a model with a high market value. It is rarely cost-effective to excessively insure and old vehicle with low resale potential. Consumers should always make a decision on AR auto insurance based on the cars they drive.
Amongst the most popular auto insurance add-ons is collision coverage. If an at-fault driver has this particular level of protection added to a policy, the carrier will pay for all accident-related repair work as well as any repairs to the vehicles of third-party road motorists. Comprehensive insurance is also available and this will be used to cover the cost of repairs if a vehicle is damaged outside of an accident situation. This can include fire damage, theft, floods, hailstones or any other adverse weather conditions.