Vehicle owners in Arkansas should always be aware that adequate coverage is a primary factor in any car insurance quotes they obtain. Although insurance brokers and online resources will inevitably guide motorists towards a collection of potentially suitable polices, the final decision on auto insurance quotes should always be the responsibility of the individual concerned.
Arkansas is a Tort state and applies its insurance laws accordingly. The person deemed to be at fault in a road traffic accident will have a financial responsibility to compensate other parties for any sustained injuries or damage caused to property. As a means of covering these eventualities, motorists in Arkansas are legally obliged to carry $25,000 worth of bodily injury liability per person, $50,000 worth of bodily injury liability per accident and $25,000 worth of property damage liability.
Although the designated levels represent the absolute minimum levels of coverage a motorist should have, it is highly advised that road users seriously consider higher levels of protection wherever possible and the additional requirements should be factored in to any car insurance quotes obtained. If the level of liability coverage is exceeded, litigation can follow and motorists can be faced with mounting court costs, higher financial payouts to third party victims and expensive legal fees.
As well as concerning themselves adequate liability coverage, motorists should also factor other requirements into their auto insurance quotes. This can include collision coverage, protection against uninsured motorists and comprehensive insurance. Naturally, decisions should only be made on an affordability basis but it will always be more cost-effective to carry adequate insurance should an accident actually occur.