Every Arkansas driver must carry at least two different kinds of auto insurance: property damage liability and personal injury liability. If a driver is responsible for causing an accident, insurance will pay for the damages and injuries.

Whether your insurance will cover those you lend your vehicle to can be confusing. Does auto insurance in Arkansas follow the driver or the car? The Owens Agency LLC can answer all your auto insurance questions and help make sure you are protected in the event of an accident.

Insurance Usually Covers the Car In Arkansas

That means that as long as the vehicle is insured, the driver probably will be, too. If you have insurance on your vehicle and lend it to your friend, your friend will have coverage in case of an accident. If your insurance doesn’t cover all the damages, your friend’s insurance may be able to pay the difference.

There Are Still Risks

You may be on the hook if there is not enough coverage to pay for the accident. If you do not have collision and comprehensive coverage, you may need to pay for your vehicle’s damages.

Contact Us For More Information

You need to be able to prove that you have insurance coverage if you are ever involved in an accident, even if you were not at fault. Failure to provide proof of financial responsibility can result in fines, license suspension, registration suspension, and jail time. 

The Owens Agency LLC can help you ensure you have the coverage you need for yourself and anyone who borrows your vehicle. If you live in Waldron, AR, please feel free to contact us today.