Uninsured/Underinsured Motorist Coverage Arkansas AR

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Reader’s Question:

I’ve been reading a lot about vehicular accidents that involved drivers who do not have auto insurance policy at all or do not have enough car insurance coverage. I am afraid to be involved in an accident with those kinds of driver. Although, I know that in Arkansas it is required to maintain auto insurance on all of the registered vehicles, I still cannot convince myself that it’s enough to protect me from those drivers. Ca you help me with my problem? What should I do?

Liana

Forth Smith, AR

I exactly understand where you are coming from. Given the statistics of the rising uninsured drivers nowadays, I can’t help but to worry also for my security. Good thing I discovered something that gave me the peace of mind that I need. And that’s for purchasing uninsured/underinsured motorists coverage.

This type of auto insurance coverage is being offered in Arkansas but is not required. Therefore, it is considered an optional coverage. Having the uninsured/underinsured motorist coverage provides you coverage if you are involved in a vehicular accident with drivers who are not insured or do not have sufficient car insurance coverage. It pays for medical bills, loss of wages, and also pain and suffering that resulted from said accident.

If you are interested in getting uninsured/underinsured motorist coverage, contact you car insurance agent as soon as possible. Also, if you have other questions about car insurance coverage, you can also contact the Arkansas Insurance Department.

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