Arkansas Auto Insurance Claim Question

Reader’s Question:

My girlfriend totaled her vehicle and she got full coverage on her automobile. However, her drivers license is suspended. We are just wondering if she could still make a claim even if his license is suspended during the accident? She lives in Arkansas.

James

Little Rock, AR

Your girlfriend should be able to get coverage under her collision coverage even though her license is suspended at the time of the accident- unless of course there is exclusion in her policy that states otherwise.

I suggest that your girlfriend contact her auto insurance company in Arkansas and ask about the terms of her auto insurance policy. She may also ask if she could place a claim under her collision coverage even if her license is suspended at the time of the accident.

Insurance providers varies on their internal guidelines. Depending on what is the underwriting on her auto insurance policy, it may be that her car insurance is still in effect even if she does not have a valid drivers license.

Usually though, at the time of the claim the status of your license should not affect policy status and the claim would be paid.

What Are The Penalties For Driving Without Auto Insurance Arkansas?

Reader’s Question:

I need help. I was caught driving without auto insurance in Arkansas for the fourth time and I am just wondering what the penalties are? Am I going to jail?

Janice

Little Rock, AR

All drivers in the state of Arkansas are required to have the minimum amount liability insurance coverage in the amount of 25/50/25. This stands for $25,000 for bodily injury coverage of one person per accident up to $50,000 per accident and $25,000 for property damage coverage. If you are found driving without auto insurance in Arkansas there is a graduating scale of penalties, all with mandatory fines. If you are caught driving without auto insurance for the first time you are required to pay between $50-$250. If you are caught driving without auto insurance in Arkansas for the second time you are required to pay between $250-$500. Any third or subsequent violation will result to imprisonment up to a year and a fine between $500- $1000 or both.

So If you get caught driving without auto insurance in Arkansas for the 4th time you will likely be required to pay the highest amount of fine and will likely serve jail time also. I suggest you contact the Arkansas Department of Motor Vehicle to get more information as to what the penalties will be for being caught driving without car insurance for the 4th time.