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UPDATED: Mar 13, 2020
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What is Arkansas SR22 Car Insurance?
Arkansas SR-22 insurance is a form that proves financial responsibility for either a vehicle owner or someone driving a vehicle in the State of Arkansas. For motorists who file an Arkansas SR-22 insurance form, it is an important piece of documentation proving that they hold continuous liability coverage in the event of an accident. An insurance company, on behalf of the motorist with the Arkansas Department of Motor Vehicles and the State of Arkansas, will file this form.
Who Needs SR22 Car Insurance in Arkansas?
Motorists who are considered “high risk” need to file an Arkansas SR-22 auto insurance form. Such motorists are those who would have DUIs, multiple speeding infractions, reckless driving or have been found to have inferior driving skills. Additionally, those who have any safety responsibility or unsatisfied judgment suspensions, or those who have revocations of license will also need Arkansas SR22 insurance. As well, motorists who have had their licenses revoked or any insurance suspensions will need this insurance, also.
Are There Different Types of Arkansas SR22 Forms?
Yes. In the State of Arkansas, there is first the Owner’s Certificate, which is coverage for those who do own vehicles. Also, there is the Operator’s Certificate, which would cover those who do not own a vehicle.
Is SR22 Car Insurance Required in Arkansas?
Arkansas State Law mandates that all drivers carry at least $25,000 worth of liability coverage in the event of an accident that injures or causes the death of one person, $50,000 for two, and $25,000 for property damage. For those who have any of the above conditions, obtaining the Arkansas SR22 insurance form would be required for a minimum of 36 months, but may be required for the maximum of 5 years. If no violations occur during that time frame, the requirement may be removed.
How Do I File an Arkansas SR22 Car Insurance Form?
Those who need to file will want to look for an insurance carrier that is authorized by the State of Arkansas to obtain an SR22 filing. Though there may be a small fee for this, it will often vary from carrier to carrier. Many times this fee is included in the first premium. Fill out the form here to obtain an Arkansas SR22 auto insurance quote today!