The State of Arkansas shares its borders with six other states and so is a popular crossing over point for motorcyclists looking to traverse the United States. It is also home to some wonderful scenery, and its nickname of ‘The Natural State’ is well-earned not least because of all the natural beauty that surrounds anyone who visits.
What this means for any motorcycling enthusiast is that warm days are often spent on their motorbikes exploring and taking in the countryside around Little Rock, and so it is essential that they get Comprehensive Arkansas Motorcycle Insurance that can properly protect them.
Now, clearly thinking about disaster scenarios, potential accidents, crashes and visits to hospital emergency rooms is not something that most folk want to spend their time doing. But the fact remains that the purpose of motorcycle insurance in Arkansas or anywhere else is to make sure that you DON’T have to think about that stuff because you are already properly protected by good cover.
In this article I am going to explore how to go about getting Arkansas Motorcycle Insurance that is right for you, and which offers you the levels of cover that you really need.
Your Choices When It Comes To Arkansas Motorcycle Insurance
The good news is that you have a tremendous amount of choice when it comes to securing a better than average Arkansas motorcycle insurance policy, because the amount of new companies that have either entered the market in the last few years, or else who have blossomed because of increased Arkansan consumer access to better policies because of the internet is on the rise.
The Minimum Arkansas Motorcycle Insurance Requirements
There is a level of cover that is mandatory in the state of Arkansas for all drivers on the road, and this includes motorcyclists.
You need to have (as an absolute minimum).
Bodily Injury Liability - $25,000 per injured person
Maximum per accident - $50,000
Property Liability Damage - $25,000
This is usually referred to as 25/50/25 and is considerably higher than many other states (Arizona for example is 15/30/10). But is still nevertheless quite low.
Consider for example that a single ride in a Medevac helicopter could easily cost $10,000 if it was from an inaccessible region of the Ouachita Mountains, and that this is a cost that doesn’t even include the potential medical costs when you ARRIVE at the hospital! And it is easy to see how people that are involved in a motor accident and don’t have any type of motorcycle insurance (or not enough) can really come unstuck financially.
In such circumstances it is not uncommon for people to have to declare bankruptcy, because the costs are simply too great to bear.
So save yourself the anguish and get some proper cover.
It is also worth realising the state minimums for Arkansas Motorcycle Insurance do not cover you for any actual damage to your own bike. But are simply covering the other parties who are involved in any accident and their property.
So if you have an expensive motorcycle then you will personally have to get it repaired, or if it is broken beyond repair, then you will have to buy a new one; an expensive undertaking.
The alternative to that is to get some comprehensive Arkansas Motorcycle Insurance cover, because then in addition to liability cover, you will also personally be covered, and if your bike is damaged perhaps in a fire in your garage, or vandalised, or stolen then you will still be covered.
You should also check into any information that the Arkansas Department of Insurance has about the legal aspect of Arkansas Motorcycle Insurance as they may have additional resources, facts and figures that could help.
You do need to check with your insurance company as to the basis on which they will pay out, and how much they will pay out (book value is the most common for motorcycles). And so it is always well worth reading the policy documents carefully for any Arkansas Motorcycle Insurance that you are going to buy, so that any riding through Fort Smith, Fayettville, Springdale or Jonesboro can be enjoyed with nothing more than the open road on your mind.