Almost every state requires minimum auto insurance, but some drivers still don’t have it. Stats report about 12% to 14% of drivers don’t have insurance, which equals one out of eight drivers. Getting into an auto accident in Little Rock, Arkansas, can get costly, especially with uninsured drivers.
Overview of uninsured motorist protection
Uninsured motorist protection pays for damages involving uninsured drivers, making up for what the at-fault driver should have purchased. Arkansas does not require drivers to carry UMP, but it requires providers to offer it as an addon.
Bodily injury includes medical bills, lost wages, and funeral expenses for injured drivers and passengers up to policy limits. Property damage covers repairs to the driver’s vehicle or property damages, such as the at-fault driver hitting the driver’s fence.
Policies may also include underinsured motorist protection, which pays when the at-fault driver did not have adequate coverage. Injured drivers commonly do not have to pay a deductible, or out-of-pocket cost, to use UMP coverage.
Reasons to get uninsured motorist protection
Given the stats on uninsured drivers, most drivers are at risk of getting hit by an uninsured driver. Some providers allow UM coverage to pay for damages caused by hit-and-run motor vehicle accidents, including injured passengers.
While Arkansas sets minimum UM, coverage purchase at $25,000 per person and $50,000 per accident, drivers can add more for security. Drivers can sue when the policy doesn’t pay for all of their expenses, but it can get tricky suing an uninsured motorist. Many uninsured drivers are without insurance because they can’t afford it, so they often lack assets the injured driver could claim.
Drivers aren’t out of options if they think suing at-fault parties isn’t worth the trouble. In some cases, they may be able to sue a third party, such as a municipality for not maintaining roads. If the driver feels the case is worth pursuing, they have the options of liens and court-ordered payment plans to recover damages.