All Motor vehicles in the state of Arkansas are required to carry the correct type of auto insurance at all times, state of Arkansas will require prove the ownership of liability insurance at the time of registration, title and renewals for any vehicle.

This requires the acquisition of an auto liability insurance policy from any Arkansas authorized or licensed carrier.

Liability Insurance Policy must provide coverage for a minimum of:

• $50,000 for all involved in an accident,
• $25,000 per person for bodily injury and,
• $25,000 also for damage to property

The Office of Motor Vehicles (OMV) is in constant input from the insurance Carriers regarding all information available regarding all owners of registered vehicles in the state. This information keeps OMV updated on data such as new policies, renewals, cancelations, no renewals, etc.

Note that even though you had to show proof of financial liability when registering and getting the vehicle title and the OMV has its data base up to date, if you are pulled over by a police officer, you must show proof of owning a Liability Auto Insurance Policy. This can be done by presenting the card you'll be getting from your insurance carrier company once you register with them for a Car Insurance Policy. The non compliance with this statement can result in severe complications for you.

All motor vehicles owners that are registered in Arkansas must maintain liability insurance as required, all insurance carriers in the state issuing auto liability insurance must comply with the Arkansas insurance Verification and Notification Network. Insurance carriers are responsible for reporting all insurance policies they emit. If you notice that you are classified with the status "not insured" can be because your insurance company failed to report your information to the Verification and Notification Network or your policy has expired or canceled, in any case you must contact the carrier from which you acquired the auto liability policy. For more information you can call Insurance Verification offices at 501-682-7932. Note that only motor vehicle liability insurance will be reported, any other type of coverage you might add will not be included (however it is highly recommended you consider other types as well).

Among other type of insurance coverage available in this state are:

• Comprehensive Coverage, helps when the damage or accident is caused by a non collision event, such as weather related accidents, wildlife, etc.


• Collision, will help pay for the damage caused to your own vehicle, while liability pays for the damage you cause to others, it will not pay for fixing your motor vehicle, this is why collision coverage is important.


• Uninsured/underinsured motorist, this coverage helps when you are not responsible for the accident but the responsible party is has not enough coverage or no coverage at all. Also hit and run situations can be covered by owning this type of insurance policy.

When it comes to Auto Insurance, it is always better to be well protected than to risk your own assets when involved in an accident.