When you are involved in an accident that caused bodily injuries in the state of Arkansas, you may be confused as to where to turn. Suffering an injury from a car accident or watching a loved one suffer in this way as the result of a car accident can be heartbreaking and traumatic. In addition to the emotional suffering, you may start to worry about the costs of medical bills, and whether these will be covered in full if the accident was not your party's fault.
Therefore, it is important to know the specific laws in your state, since car insurance coverage laws vary across the country. In the state of Arkansas, all insurance companies must offer you no-fault coverage by law. This means that the person whose fault the accident was will still be covered financially to a certain amount. This is a very important point, even if you were not to blame for the incident, because this means that the driver to blame, as long as he or she is insured, will be liable for your medical costs and other damages with the help of his or her insurance company.
No-fault insurance coverage in more detail
In the state of Arkansas, no-fault insurance coverage is attached to an individual person rather than a vehicle. This means that if a person is driving a friend's vehicle when he or she causes a crash, the insurance policy will still apply.
There are limits to payouts through no-fault insurance, however. Therefore, if they are not enough to cover your damages, you may need to seek it through other means. The minimum limit in the state of Arkansas for medical expenses is $5000. This means that the victim of an accident should be covered for at least $5000 of damages from the at-fault party. This payout can cover doctors' and medical bills, operation costs, medical equipment and prescriptions. In the case of a death, funeral costs can also be covered.
If you or a loved one has been injured in a car accident in Arkansas, it is important to take action to make sure that all of your expenses and damages will be covered by the person to blame.