Just like numerous states in the country, Arkansas requires its drivers to carry mandatory auto insurance, failure to which could leave you with hefty penalties. If you are at a loss of what the compulsory coverage involves, Providence Insurance Agency can help with this. Below, we discuss some auto insurance options to consider getting.
Liability coverage is the only compulsory coverage in the state and focuses on bodily injury and property coverage. If you cause an accident, bodily injury coverage will help you pay for the cost of 3rd party injuries. It also protects you when you cause another motorist's death, helping you cater to the expenses following such an incident. The second option under liability coverage is property damage coverage and will cater to the costs of vehicle repairs and replacement that other parties get during an accident.
Personal Injury Protection
Personal injury protection covers you and insured members of your household following an accident. It will compensate you for expenses arising from injuries such as lost wages and medical bills.
If you collide with another vehicle and your vehicle gets damaged, collision insurance will pay for the cost of car repairs and replacements. It also comes in handy when you hit stationary objects or property during your drive.
During non-collision accidents, comprehensive insurance steps in to cover your vehicle expenses. These can include vehicle destruction from events such as hail, fire, and vandalism. In addition to this, it will also cater to costs arising from vehicle theft.
If you get into an accident with a driver who does not have any insurance or carries insufficient coverage, uninsured/underinsured coverage will help you pay the costs of bodily injury harm that you get. It also offers protection when your vehicle gets damaged by the at-fault party.
Whether you are looking for minimum auto coverage to help with your Arkansas drives or need more insurance options, consider getting in touch with Providence Insurance Agency today.