Arkansas insurance information
Required Minimum Bodily Injury Coverage
- $25,000 per person injured in any one accident and $50,000 for all persons injured in any one accident
Required Minimum Property Damage Coverage
- $25,000 for injury to or destruction of property of others in any one accident
Optional Insurance Coverage
- Automobile Liability Insurance Policies vs. Motor Vehicle Liability
Insurance Policies
Arkansas distinguishes "automobile" policies from "motor vehicle" policies. Under Arkansas law, the definition of an "automobile" includes a car, and the definition of a "motor vehicle" includes a motorcycle. The law addresses optional coverages which must be offered to purchasers of automobile liability policies. The law does not address any legal requirements as to what optional coverages insurance companies must offer to motorcyclists. This does not mean, however, that a motorcycle owner cannot purchase optional insurance. It only means that optional insurance coverage for motorcyclists is a matter of contract law. In other words, the insurance company is free to offer or not offer optional coverage to motorcyclists. - Uninsured (UM) and Underinsured Motorist (UIM) Coverage
Arkansas law requires insurance companies to offer UM and UIM coverage to purchasers of automobile liability insurance. UM and UIM coverages are coordinated, and a purchaser cannot buy UIM unless UM is elected. If purchased, UM and UIM must be coordinated in at least the minimum amounts required for bodily injury liability policies. - Medical Expense or First-Party Benefits
Insurance companies are required to offer minimum amounts of first-party coverages to purchasers of automobile liability policies. First-party coverage includes payment of medical, hospital, lost income, disability, and accidental death benefits to the insured without regard to fault. An insurance company is not required to offer this coverage to motorcyclists.
Special Rules for Motorcycle Owners
- Insurance companies are not required to offer UM/UIM coverage to
motorcycle owners. They are also not required to offer medical expense or
first-party medical benefits to motorcycle owners.
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Please note: State law information collected from LexisNexis™ electronic database in 2003. Our lawyers are licensed to practice law in Maryland, Ohio, Pennsylvania, and West Virginia and associates with experienced attorneys in other states .
The materials at this web site have been prepared by our Law Firm for information purposes only and should not be construed as legal advice or legal opinion on any specific facts or circumstances. These materials do not, and are not, intended to constitute legal advice. Readers should not act upon this information without seeking professional counsel.
The information provided at this site is subject to change without notice. While we strive to keep our site updated, insurance options may change from time to time. Be sure to confirm insurance requirements with your insurance representative. The state insurance summaries are provided as a general guide only. Before purchasing insurance, we recommend that you research and understand all available and required options. We also recommend that you protect yourself by purchasing adequate amounts of insurance.
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