What type of insurance is mandated by law for drivers in Arkansas?

In Arkansas, the law requires drivers to have liability insurance. This type of insurance covers damages caused to other people and their property in the event that the insured driver is found at fault in an accident. It ensures that victims of motor vehicle accidents can receive compensation for injuries and damages without placing undue financial burden on the at-fault driver.

Liability insurance is fundamental to promoting responsible driving and ensuring financial responsibility among motorists. The state mandates minimum coverage limits to ensure that drivers have a baseline level of protection for others, thereby safeguarding public interest on the roads.

Other types of insurance, like comprehensive, collision, and uninsured motorist insurance, while beneficial and sometimes necessary for certain drivers, are not legally required. They serve different purposes—comprehensive and collision insurance protect a driver's own vehicle from damage, and uninsured motorist insurance provides coverage in cases where the other party lacks insurance, which is a separate matter from the legal requirement for liability coverage.