What Does Auto Insurance Cover?
Every state requires car insurance but one (New Hampshire). Car insurance is there to protect drivers from financial liability if they are at fault in an accident. It also protects the insured from potential medical expenses or legal services, among other things.
While there is a wide range of coverage options available when purchasing auto insurance, it's a good idea to discuss your options carefully with a Farm Bureau agent. They will be happy to explain what's available and can help guide you to the products you require most.
Arkansas Statewide-Required Minimum Auto Insurance
Every Arkansas automobile owner must have liability coverage.
Liability coverage pays for claims when you are at fault in an accident. By law in Arkansas, the minimum liability you must carry is:
- $25,000 per person for death or bodily injury
- $50,000 for death or bodily injury of two or more people in any one accident
- $25,000 to cover property damage or destruction incurred by others involved
Auto Insurance Coverage Options
Southern Farm Bureau® Casualty Insurance Company is proud to offer coverage options to make sure you have the protection you need.
Collision Coverage
Collision coverage will help pay to repair any damage to your vehicle it if it is involved in an accident with either another vehicle or an object, such as a tree or gate.
Our Collision coverage also includes 24/7 roadside assistance for flat tires, empty tanks, and other inconveniences.
Other Than Collision Coverage
Comprehensive coverage will repair or replace your vehicle if it receives damage through events like:
- Fire
- Contact with an animal (such as a deer)
- Vandalism
- Theft
- Tornadoes
- Hail
- Floods
Liability Coverage
Liability coverage may pay for medical expenses of the other party if you are involved in an accident that was your fault. It may also provide property damage costs for damages to property that are the result of a covered accident that was your fault.
Rental and Travel Expense Reimbursement Coverage
Rental and Travel Expense Reimbursement coverage pays for replacement auto rental if your auto is disabled due to a covered comprehensive or collision loss.
Personal Injury Protection
Personal Injury Protection is an optional coverage that can help pay the cost to or on behalf of you, you family, or a passenger who sustains bodily injury or death due to an auto accident. There are three types of coverages under Personal Injury Protection, all of which can be added together or separately to a policy:
- Medical and Hospital Benefits: Can pay for a variety of medical, hospital, and funeral expenses that occur due to a covered accident.
- Accidental Death Benefits: Can help pay costs associated with a death that occurs directly because of a covered auto accident.
- Income Disability Benefits: Can pay for the loss of income you may face due to injuries from a covered auto accident.
Uninsured Motorist Bodily Injury Coverage
Uninsured Motorist Bodily Injury coverage protects you, your family, and passengers of your auto if you are injured by someone who does not have any insurance, or if you are involved in a hit-and-run accident.
Uninsured Motorist Property Damage Coverage
Uninsured Motorist Property Damage coverage can provide payment to repair damages to your car if you are hit by someone who doesn't have insurance.
Underinsured Motorist Coverage
Underinsured Motorist coverage pays medical and related costs for injury to you, your family, and passengers of your auto if you are involved in an accident with someone that does not have enough liability coverage to cover your expenses.
Antique/Classic Car Coverage
Antique/Classic Car coverage offers customized options for special cars. This coverage recognizes that your older auto has special value considerations. You may customize your Comprehensive and Collision coverages to fit your vehicle. Our stated value helps to establish the value of the auto prior to any losses.
Save On Your Deductibles With Southern Farm Bureau Casualty Insurance Company
Would you like to save money on your auto insurance deductibles? (We thought so!) Take a moment to learn about DriveDown, the deductible rewards program. It allows policyholders to save on their deductibles as a reward for driving safely, while helping them become safer drivers in the process. Just download the free MobileAgent app and enroll in DriveDown.
If you have questions about auto insurance, we're here to help. Get a free quote from a local Farm Bureau agent who can help you determine what kind of auto insurance you need.
