Uninsured Motorist Coverage — Arkansas
Uninsured Motorist Coverage pays your medical bills and vehicle damage when you're hit by a driver who has no insurance or flees the scene.
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What Is Uninsured Motorist Coverage Insurance?
Uninsured Motorist Coverage has two parts: bodily injury (UM) pays your medical expenses, lost wages, and pain and suffering when an uninsured driver hits you; property damage (UMPD) covers your vehicle repair costs. It also applies if the at-fault driver flees the scene and can't be identified. Unlike liability coverage, which pays the other driver when you cause an accident, UM protects you when the other driver is at fault but has no insurance to pay your claim.
Who Needs Uninsured Motorist Coverage Insurance?
You need UM if you're reinstating after suspension and can't afford to absorb a hit-and-run or uninsured driver claim out of pocket. One in seven Arkansas drivers is uninsured, meaning your odds of getting hit by someone with no coverage are higher than in most states. UM also protects non-owner SR-22 policyholders—if you don't own a vehicle but need SR-22 filing to satisfy reinstatement, UM on a non-owner policy ensures you're covered if an uninsured driver hits you while you're driving a borrowed or rental car.
If no, carry UM at limits matching your assets and recovery needs.
How Much Does Uninsured Motorist Coverage Insurance Cost?
- Your county's uninsured driver rate—Pulaski and Sebastian counties have higher uninsured rates than Benton County, which increases UM premiums in those areas.
- Your insurer's claims experience with UM in Arkansas—carriers that pay frequent UM claims in your region charge more; shop multiple carriers to find the lowest rate for identical limits.
