{"id":371722,"date":"2016-03-31T21:34:27","date_gmt":"2016-04-01T02:34:27","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/state\/arkansas-law\/no-fault-coverage-in-arkansas.html"},"modified":"2016-06-20T14:48:00","modified_gmt":"2016-06-20T19:48:00","slug":"no-fault-coverage-in-arkansas","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/state\/arkansas-law\/no-fault-coverage-in-arkansas.html","title":{"rendered":"No Fault Coverage in Arkansas"},"content":{"rendered":"\n
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No Fault Coverage in Arkansas<\/h1>\n
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Created by FindLaw’s team<\/a> of legal writers and editors<\/i><\/p>\n\n | Last updated\n

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The last updated date refers to the last time this article was reviewed by FindLaw or one of our contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please contact an attorney in your area<\/a>.<\/em><\/p>\n\n <\/div>\n <\/details>\n<\/section>\n

Car insurance can be tricky: with so many policies and types of coverage, it\u2019s hard to know which one is right for you. You can start figuring it out right here, with an introduction to the basics of Arkansas no fault insurance coverage.<\/p>\r\n

What is No Fault Coverage?<\/h2>\r\n

"No fault" coverage in Arkansas refers to insurance coverage for medical payments, disability income, and accidental death benefits available to auto policy holders. The purpose of no fault insurance is to provide benefits to a covered person who has been injured in an auto accident, regardless of who caused the accident.<\/p>\r\n

In Arkansas, this insurance said to "follow the person." This means if you have these benefits on your personal insurance policy, you can use them even if you are injured while driving or riding in someone else’s vehicle. In addition, your coverage can apply to persons driving or riding in your vehicle if they don’t have this coverage on their own policy. Specifically, Arkansas law<\/a> states that, if you are in an accident, no fault coverage is available to you, members of your family in the car, the other driver, and anyone else injured in the accident, regardless of fault.<\/p>\r\n

How Can I Get No Fault Coverage in Arkansas?<\/h2>\r\n

The three types of no fault coverage are either sold together in a single package called "Personal Injury Protection" or they are offered individually by your insurance carrier. Regardless of how they are sold or what the insurance company calls them, each of these options offers specific minimum benefits. Additional benefits are usually available. You may want to consult an insurance agent on the limits and costs of any additional coverage.<\/p>\r\n

How Much Does a No Fault Policy Cover?<\/h2>\r\n

There is a statutory minimum limit of $5,000 per person per accident for medical payments in Arkansas. This means that your insurance company will pay up to $5,000 in reasonable and necessary medical expenses due to an auto accident. Normally you must file the claim within two years from the date of the accident. Medical expenses include:<\/p>\r\n