Does Collision and Comprehensive Insurance Cover Hit and Run in Arkansas?
Reader’s Question:
I would like to know if collision or comprehensive insurance in Jonesboro, Arkansas would cover hit and run?
Frank
Jonesboro, AR
The terms of insurance policies vary but generally an insurance carrier will accept an insurance claim under collision coverages for damages sustained to your car caused by a hit and run motorist.
When you see that your vehicle has been damaged by an unknown driver, hit and run, motorist you should contact police officer to make a report. Your insurance company may not require the police report however it is better to have it then need it and not to have made a police report.
When you use your collision coverage to repair your automobile keep in mind that the deductible will be due that you choose for that portion of your insurance policy at its inception.
Typically collision coverages cover damages to your vehicle when your vehicle hits, or is hit by, another car, or other object. A hit and run that clearly shows another vehicle or object collided with your car should be covered under your collision coverages.
Read over the terms of your car insurance policy in Jonesboro, Arkansas and talk to your car insurance agent about making a report for the damages your car sustained by a hit and run incident to verify your collision coverages would be used in your specific case.
Am I Liable for my Daughter’s Damages or Injuries if She Drives my Car?
Reader’s Question:
If I own a car, but my adult daughter drives it and insures it, am I liable for any damages or injuries if my daughter causes an accident? We live in Fort Smith AR.
Jenny
Fort Smith AR
The owner of a car is typically liable for the actions of anyone that drives that car.
So, the owner could be held liable even though your daughter insures and drives the car. There are cases where prosecutors or other parties may seek damages from the responsible party only and there are situations where state laws limit responsibility to the person involved in the accident.
As the owner of any vehicle, you should be certain that it is properly insured and that all liability is covered, regardless of who has the vehicle under their control, custody or care. For instance, if you owned a home in Fort Smith AR but your daughter was living in it and has renter’s insurance. You would still be responsible for the house and you could be responsibility for any damages that happens at that house.
Adding Student Driver in Auto Insurance Policy in Arkansas
Reader’s Question:
I am looking to add my son to my insurance policy in Jonesboro, Arkansas while he is a full-time student in Canada but my insurance carrier would not cover him in Canada. What should I do?
Oliver
Jonesboro, AR
If your insurance company in Jonesboro, Arkansas will not extend coverage to your full time student son in Canada, you can get help on obtaining the Canadian auto insurance that your son will need on the car he will be driving in Canada. I would suggest that your son may seek help from the student services department of the university he will be attending.
The Insurance Corporation of British Columbia (ICBC) states that all B.C. drivers must have Basic Autoplan coverage, no matter what they use their car for. It gives you with the minimum insurance coverage that the law says you need to get to be on the road here.
What to Do to Get my Drivers License Reinstated in Arkansas
Reader’s Question:
What should I do to get my driver’s license reinstated in Pine Bluff Arkansas?
William
Pine Bluff, AR
I suggest that you contact the AR Office of Driver Services, a part of the AR Department of Finance and Administration (DFA), to determine specifically how to reinstate your drivers license since it can differ due to the reason suspension of your driver’s license.
Some of the reasons that Arkansas will suspend your drivers license is if you have accumulated too many administrative points, been involved in a major accident or were arrested for a DUI.
Generally the court in Arkansas will decide when you can apply for driver’s license reinstatement at the time of your conviction. A drivers license suspension can last from a number of days to months in Pine Bluff AR. You can expect to pay on special liability insurance or SR22, fines and reinstatement fees.
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