Uninsured Motorist Coverage — Arkansas
Uninsured and underinsured motorist coverage pays your medical bills and vehicle damage when the at-fault driver has no insurance or not enough to cover your losses.
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What Is Uninsured and Underinsured Motorist Coverage Insurance?
Uninsured motorist coverage pays when someone without insurance hits you and causes injury or property damage. Underinsured motorist coverage kicks in when the at-fault driver has insurance, but their liability limits are too low to cover your full losses. Both coverages protect you from paying out-of-pocket for someone else's mistake when their policy can't or won't make you whole. The coverage applies to medical expenses, lost wages, pain and suffering, and in some states, vehicle repair costs.
Who Needs Uninsured and Underinsured Motorist Coverage Insurance?
You should carry this coverage if you drive frequently in areas with high uninsured driver rates, if you don't have health insurance that covers auto accident injuries, or if you carry liability-only and have no collision coverage to pay for your own vehicle damage. Drivers who commute daily or transport family members benefit most, because medical bills from serious accidents can exceed minimum liability limits quickly.
Compare the cost of this coverage to your out-of-pocket risk. If you carry collision coverage already, skip the property damage portion and save the extra premium. Stacking makes sense only if you own multiple vehicles and want combined limits available on a single claim.
How Much Does Uninsured and Underinsured Motorist Coverage Insurance Cost?
- Coverage limits you select — higher bodily injury limits cost more but protect you from larger gaps in at-fault driver policies.
- Whether you add property damage coverage — many Arkansas drivers skip this and rely on collision coverage instead.
- Stacking elections — stacking uninsured motorist limits across multiple vehicles on one policy increases the total available coverage and raises the premium.
- Your county's uninsured driver rate — areas with higher percentages of uninsured motorists see slightly higher premiums for this coverage.
- Claim history on uninsured motorist coverage — prior claims under this coverage can increase future premiums with some carriers.
