All registered or operated vehicles must be covered by liability insurance. Minimum coverages for the state of Arkansas are $25,000 for injury, $50,000 for all injuries, and $25,000 in property damage. Commonly referred to as 25/50/25 coverage.
You are required to carry proof of insurance in your vehicle.
The list below constitute legal proof of insurance:
This state enlists a point system to monitor and penalize driving infractions. If a driver is convicted of traffic law violations, the driver will gain points on their drivers license. If those points reach a state specified amount, their license will be suspended for a predetermined period based on the amount of points gained. After three years time, without further incident, a traffic conviction loses its‘ point value for suspension purposes. However, it will stay on your permanent driving record and may effect your insurance rates.
14-17 points in 12 months = 90 days suspension
18-23 points in 24 months = 180 days suspension
24 or more in 36 months = 1 year suspension
Arkansas laws dictate other possible means of having your license suspended such as failure to pay child support, drug or alcohol addiction, or failure to pay fines.
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