Automobile Insurance Questions
 

What Coverage is mandatory in Arkansas?
Liability Coverage is mandatory by Arkansas law. Liability coverage pays for accident claims when you are at fault. The minimum required coverage is $25,000 for bodily Injury per person, $50,000 per accident, $25,000 for property damage.

What is Uninsured and Underinsured Coverage, and do I need it?
Uninsured Coverage pays your claims when the other person is at fault and does not have liability coverage. Underinsured coverage provides you with extra protection when the other driver is at fault but does not have enough insurance to cover your medical claims.

What is Personal Injury Protection?
Personal Injury Protection provides you with coverage for wage loss, death benefits and medical coverage regardless of who is at fault.

What is Comprehensive and Collision Coverage?
Comprehensive and Collision Coverage protect you from loss when there is no other driver at fault. Comprehensive Coverage. Protects you against damage to your automobile from acts of nature or other events not related to operating your vehicle. Collision Coverage provides protection for your vehicle if you are involved in an accident in which you or no one is at fault.

Does my Auto Policy cover a rental car while my car is being repaired?
Maybe. One of the most overlooked features of auto insurance is Rental Reimbursement. It must be added to your basic auto Policy, and is very inexpensive. Most people shopping for the lowest price often forget to have this benefit added. Please ask our agents about this when you apply for auto coverage.

If I loan my car to someone, are they covered?
yes, Anyone using your vehicle with reasonable permission is covered. If they do not live with you. All drivers living in your household must be listed on your policy to be covered.

Is it Possible to pay my premiums with a credit card or check & by phone or computer?
Yes, Some of the companies we represent do take credit card payment or EFT by Internet.

Do I have a grace period?
Some policies offer a grace period on payment; contact the specific company or our office.

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