Auto Insurance Policy Fort Smith Arkansas AR
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.
Tags: auto insurance
Student Auto Insurance Jonesboro, Arkansas AR
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.
Tags: auto insurance, Student car insurance
Auto Insurance SR22 Pine Bluff Arkansas AR
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.
Tags: auto insurance, sr22 insurance
Car Insurance Fort Smith Arkansas AR
Reader’s Question:
I have a friend who rides with me every day to and from work. Do I have to add him to my auto insurance policy in Fort Smith Arkansas?
James
Fort Smith, AR
If your friend is only riding as a passenger and not driving your car, typically they do not need to be added to your auto insurance policy as an additional driver. If you take turns driving the car to work then you should contact your insurance provider to check if they cover the passenger and part time motorist under your current insurance policy or if you would need to add him to it.
If you are concerned about medical coverage, generally, your insurance policy in Fort Smith Arkansas would cover your passenger up to your limits. In most states, your passenger medical expenses would be covered by bodily injury liability, personal injury protection (pip) coverage or uninsured motorist coverage, depending on what type of accident occurred and who was at fault. But again verify with your insurance carrier to make sure your limits and coverages will cover your passenger properly.
Tags: auto insurance
SR22 Ainsurance Little Rock Arkansas AK
Reader’s Question:
I am probably the most unfortunate driver right now. I am from Canada with international driver’s license and got charged of DUI in Little Rock, Arkansas…what can I do with the suspension? I will be staying here for another 30 days and that can be trouble if I need to leave.
Pamela
Little Rock, Arkansas
You can immediately call the issuing agency of your international license for more details on what you can do.
I am not so much aware for international ruling on DUI, however I can give you basic information for Arkansas AR.
SR-22 insurance policy is a rider to a high-risk auto insurance policy that you might have in AR. It is a guarantee, by the insurance company from Little Rock, Arkansas, that the driver has and will keep in effect at least the very basic mandatory liability insurance for a specific period of time. This serves as a mechanism for the State of Arkansas to monitor the driver’s responsibility to obtain and maintain an SR-22 insurance policy in AK. Although, it is important that you are aware of the fact that not all insurance companies can or will provide SR-22 insurance coverage.
You never run out of options to get your license reinstated.
Although what you have is an international privilege, the state of Arkansas in particular requires a simple remedy through purchasing a liability insurance governed by Arkansas minimum requirements of 25/50/25.
Tags: DUI auto insurance, high risk auto insurance, sr22, SR22 filing
Auto Insurance Little Rock Arkansas AR
Reader’s Question:
I just moved to Little Rock, Arkansas last month bringing with me a car insurance which will be expiring in less than 3 months time. I will have to renew sooner or later so I would appreciate if someone out there could give me relevant information on auto insurance in Arkansas.
Barbara
Little Rock, Arkansas AR
Obtaining auto insurance in Arkansas can seem like a sticky situation for new drivers like you. I can give you some of the basic information that you need to know since I live here in Little Rock, Arkansas.
The state of Arkansas requires that all motorists have liability insurance. In case you are unaware, the Minimum state coverage in Arkansas is 25/50/25. This means $25,000 per person up to $50,000 for bodily injury liability per accident and $25,000 for property damage liability per accident.
For instance, if there is only one person in the car that was injured your insurance carrier will pay for $25,000 worth of medical expenses, if there is more than one person injured in the crash $50,000 expenses will be covered. The amount of $25,000 is repair for the property damage liability.
The state of Arkansas does not require you to carry any more than the minimum liability limits but it is always recommended that all motorists to have more coverage so that you may be fully protected in Little Rock.
Normally collision coverage covers the car when you hit an object such as another vehicle, pole, fence etc. Comprehensive coverage on the other hand is for things other than collision. Comprehensive coverage covers your vehicle if it is damaged by fire, flood, or vandalism or if it gets stolen.
Tags: auto insurance, car insurance, relocating auto insurance, relocating car insurance
Car Insurance Jonesboro Arkansas AR
Reader’s Question:
I am from Jonesboro Arkansas and I currently do not have insurance on my vehicle. If I get stopped by a police officer what penalties am I going to be facing?
Carl
Jonesboro, AR
It is unlawful for any individual to drive a motor vehicle unless the vehicle is insured with the minimum amount of liability coverage in Arkansas. This minimum coverage is $25,000 for bodily injury or death of one person in up to $50,000 for bodily injury or death of two or more persons per accident and $25,000 for property damage of others.
In Jonesboro or any part of Arkansas, as for penalties if you are found driving without insurance there is a graduating scale of penalties, all with mandatory fees and fines. For the first offense a fine of between $50 to $250 is required to be paid. For a 2nd offense a fine of between $250 to $500 is required to be paid. A 3rd or any subsequent violations have a fine of between $500 to $1000 or a sentence of one year in jail or both.
Tags: auto insurance
Arkansas AR DWI Blood Test
Reader’s Question:
The level of blood alcohol concentration is normally used as a basis in the courts to convict a person suspected of DWI in Arkansas. Is this aspect always looked into during the prosecution process?
Patrick
Fayetteville, AR
Thanks for your question, Patrick. In the state of Arkansas , there are two ways that a person can be prosecuted for driving while intoxicated. One way is based on the impairment of the driver after consuming alcohol where the case is built around the driver being too impaired to operate a motor vehicle. In this type of DWI case, driving habits, failure to perform sobriety tests successfully, the physical appearance of the defendant, and the smell of alcohol on the defendant may all be taken into consideration. The DWI offender’s blood alcohol concentration level need not be proved by the prosecutor.
The second way is based on chemical testing, not on driver habits or behavior where the defendant’s blood alcohol concentration level is greater than the legal limit of 0.08%. In this type of DWI case, the defendant’s impairment to operate a motor vehicle is not relevant. What needed to be proved by the prosecutor is that the defendant has exceeded the legal blood alcohol level.
Contacting an Arkansas DWI lawyer immediately is best since both types of cases have serious legal and administrative consequences. It is important to have someone to guide you through the legal system and defend you both in court and at any Department of Motor Vehicles proceedings.
Teen Car Insurance Rate Arkansas
Reader’s Question:
Does a 17 year old (my daughter) needs to be put on my insurance policy if she just got her license? I live in Little Rock, Arkansas.
Keri
Little Rock, AR
Arkansas insurance companies’ guidelines vary so you will need to contact your auto insurance agent to find out if your insurance company will require your daughter to be put on your insurance policy. Generally, most insurance companies do require you to place your teen on your car insurance policy, either after they have received their permit / provisional license or full license. When they need to be put on as a driver differs from one carrier to another.
Usually, adding a teenage driver to your insurance policy raises your rates by quite a bit since this class of motorist is inexperienced and prone to get involved more accidents. So when adding your daughter to your policy check with your insurance company about any possible discounts you can receive.
Non Owners SR22 Arkansas
Reader’s Question:
My girlfriend got a DUI in Arkansas and she wants to get her license. She was informed she needs to get an SR22 to get her license back. She currently doesn’t have an automobile so how does she acquire insurance for a car he does not have?
Larry
Fayetteville, AR
Your girlfriend will need a non-owners SR-22 in Arkansas if she does not own a car nor has a vehicle in her household in which to place an car insurance policy upon.
As part of the terms of reinstatement for your girlfriend’s driver’s license in Arkansas she will need to get and carry one even if she does not own a car. Normally if you own a vehicle you get the mandated liability coverages and SR22 filing on the car(s) you own. If you do not own a vehicle then you get a non-owners policy which is still the mandated coverages plus you get the SR-22 filed with the state as required there is just no vehicle to list on the policy.
Generally a non-owners SR-22 permits the named insure to operate any car that they are given permission to drive by the car owner, unless the vehicle is owned by a household member.