All About Auto Insurance

What Does Auto Insurance Cover?

Whether you just got your license or you’ve been driving for 50 years, don’t back out of your driveway without a reliable auto insurance policy in force.

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 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 Insurance 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 

Below is the minimum level of personal auto insurance Arkansas requires you to carry to drive legally, according to the Arkansas Insurance Department:

Every automobile owner must have liability coverage.

Liability coverage pays for claims when you are at fault in an accident. By law, the minimum liability you must carry by law is:

  • $25,000 per person for bodily injury
  • $50,000 per accident
  • $25,000 to cover property damage incurred by others involved

Auto Insurance Coverage Options

Farm Bureau Insurance is proud to offer coverage options to make sure you have the protection you need. We briefly describe them below. 

Collision Coverage

Collision coverage will help pay to repair any damage to your vehicle or replace it if it is involved in an accident with either another vehicle or an object, such as a tree or gate. 

Comprehensive Coverage

Comprehensive coverage will repair or replace your vehicle if it receives damage through events like:

  • Fire
  • Crashes with an animal (such as a deer)
  • Vandalism
  • Theft
  • Tornadoes
  • Hail
  • Floods
Liability Coverage

Liability coverage may pay for bodily injury liability protection for medical expenses of the other party if you are involved in an accident that was your fault. It may also provide property damage liability protection for damages to property that is the result of a covered accident that was your fault.

Rental and Travel Expense Coverage

Rental and travel expense coverage pays for replacement auto rental or expenses for travel, lodging, and meals 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 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 and Classic Car Coverage

Antique/Classic car coverage offers customized options for these 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. 

Roadside Assistance

Roadside assistance coverage is available for those who own a private passenger auto, motorhome, or farm truck and have collision coverage. This program provides services up to $75 for private passenger autos, and services up to $500 for motorhomes and farm trucks. Also included are emergency towing services and emergency roadside assistance for jump starts, flat tire changes, lockout services, and the delivery of up to two gallons of gasoline. Find more information by calling (866) 275-7322, or via our MobileAgent App

Save On Your Deductibles With Farm Bureau Insurance

Would you like to save money on your auto insurance deductibles? (We thought so!) Take a moment to learn about DriveDown, the new Farm Bureau Insurance 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 MOBILE agent app and enroll in DriveDown. Learn more about DriveDown from our informative FAQs or talk to your agent. 

If you have questions about auto insurance, we’re here to help. Get a free quote from a local Farm Bureau Insurance agent who can help you determine what kind of auto insurance you need. Start by using our Agent Finder.