Auto Insurance Coverage in Little Rock, Arkansas
Part of being a responsible vehicle owner is obtaining an appropriate insurance policy. Navigating your auto insurance requirements and options may be overwhelming, but it’s essential to do your due diligence. Auto insurance is typically not a one-size-fits-all, making it necessary to understand what coverage to consider for your vehicle type, usage and local regulations.
What Auto Insurance is Required in Arkansas?
Arkansas, like most states, requires a certain amount of liability coverage. The following are the two types of liability coverage:
- Property damage coverage can help financially safeguard your assets if you are found legally responsible for a covered accident. It can help cover the cost of certain types of damage you may have caused to someone else’s property or vehicle.
- Bodily injury coverage can help financially safeguard your assets if you’re found legally responsible for a coverage accident, including certain expenses, such as medical bills, associated with bodily harm sustained by a third party.
Optional Auto Insurance Coverage
While the following types of coverage are not required, they are recommended to financially prepare for the unexpected:
- Comprehensive coverage can offer financial support for vehicle damage in the event of noncollision-related incidents such as theft, vandalism, severe weather, incidents with animals and falling objects. Lenders often require comprehensive insurance if you have a car loan.
- Collision coverage can help reimburse you for damage to your vehicle that resulted from a collision with another car or object.
- Uninsured/underinsured coverage can help financially protect you if you’re involved in an accident with a driver who’s at fault and doesn’t have sufficient insurance to cover the damage.
Learn More
For auto insurance near you, contact Sunstar Insurance of Arkansas.