Arkansas SR22 Insurance Filings & Quotes
In the state of Arkansas car insurance is required to protect any other drivers in the event of an automobile accident. The minimum limits are as follows:
- $25,000 Per Person Bodily Injury
- $50,000 Per Accident Bodily Injury
- $25,000 Property Damage
While these limits are the minimum required in Arkansas they are rarely the recommended amounts of coverage for an individual. Ask your insurance professional exactly what they recommend based upon your budget. Failure to have proper auto insurance can result in a suspension or revocation of your license. Proof of insurance has to be present while driving an automobile at all times.
Arkansas is now able to accept electronic proof of insurance during traffic stops.
Arkansas Suspended License Information and Reinstatement
When a driver’s license is suspended or revoked in Arkansas this information is shared with all 50 states. You cannot be issued a license if you have a current suspension or revocation of your driver’s license in Arkansas or any other state. You will not receive any notification when your suspension or revocation ends as that information would have been provided to you in the letter you received when action was first taken against your driving privilege.
In order to reinstate your license you will need to know your reinstatement eligibility date and all the particular reinstatement requirements needed to complete your license reinstatement. This information is available in the letter or within the information you received at your initial court hearing.
The state of Arkansas utilizes a point system to identify problem drivers. Points are assigned for various different traffic violations including 3 points for a traffic signal failure up to eight points for a reckless driving citation. Should you accumulate 10-13 points against your driver’s license a warning letter is going to be mailed to you and if you have accumulated over 13 points your license will be suspended. Make sure to know how many points you have and consult the Arkansas DMV if you have questions about your license status.
Driving while intoxicated (DWI) in Arkansas
If a driver is found to have a blood alcohol content of .08% or greater, or refused to submit to a breathalyzer test they’re going to have 7 days from that date to request an administrative hearing regarding the suspension of their license. If during the hearing the driver is confirmed of having been driving with a BAC of .08% or more, or refused the breathalyzer test, or driving while intoxicated the driver’s license shall be suspended or revoked for six months.
Just how many days will my license be suspended for refusing the breathalyzer test?
The very first offense to refuse a breathalyzer blood alcohol test is 180 days suspension.
Arkansas SR22 Insurance Information
If you have been required to file an SR22 certificate with the state of Arkansas contact an insurance company or agent that is licensed in selling auto insurance in Arkansas to get an SR22. You will be instructed to carry to at least carry the state minimum liability limits and continue the insurance plan throughout your specific court required suspension or revocation. If you don’t own a car ask your insurer about a non-owner SR22 policy.
Most offenses will need you to definitely have an SR22 insurance policy for at least three years from the end date of the suspension or revocation. All DWI and refusal convictions require an SR22 filing with the Arkansas DMV for five years from the end date of the first offense. SR22 insurance has to be maintained for the life of the motorist if there is an “Unsatisfied Judgment” or after a fourth DWI offense or refusal conviction.
Don’t let the insurance policy lapse or cancel it at anytime because the provider will notify the Arkansas DMV of the lapse and your license shall be suspended again. The SR22 is an add on or rider to a regular car insurance policy that guarantees the DMV will be notified if any change in your coverage status happens, an SR22 is also known as a future financial responsibility filing. You can change insurance companies if you like, but make sure to get a new SR22 certificate filed with the DMV before the old SR22 is cancelled.
Arkansas SR21 Accident Report
If you are involved in an automobile accident that led to $1,000 or more in property damage or the injury or death of any person regardless of fault, you have to finish a form SR-21. This form has to be submitted within 30 days from the accident to the Arkansas DMV.
Requirements After an Vehicle Accident in Arkansas
- Complete the SR-21 proof of liability insurance form and submit it
- Written release of liability signed by all other parties involved in the accident
- A covenant not to sue signed by all other parties involved in the accident which has to be notarized
- Written statement that’s been accepted by the appropriate parties to the payment of damages in installments
- For additional requirements contact Safety Responsibility at 501-682-7098.