Your auto insurance is going to protect you from most hazards in Waldron, AR, but there are plenty of reasons why a claim might be denied. Here are some of the most common:
- You don’t have the coverage you think you have. If you buy the bare minimum, that only covers liability. You at least need comprehensive and collision to cover your car, and you may want to consider gap insurance to cover the rest of your car payments, and replacement insurance to buy a new car.
- You didn’t make your report on time. It varies from one insurer to the next, and even from policy to policy, but your insurer expects you to file your claim within a certain timeframe.
- You forgot to tell your insurer about your new car. You should tell your insurance agent right away when you buy a new car. It’s probably going to be worth more than the old one, so you don’t want to find out that your new car is insured at a pre-owned value.
- You didn’t get your facts straight. For instance, if you filed an uninsured motorist claim but the other driver does have insurance, you’ll probably see your claim being denied.
- Disputed liability. Simply put: It’s not quite clear who’s at fault just yet, and you won’t be able to file a claim until the matter is settled.
If you’re looking to get covered in Waldron, AR, or if you have any questions, get in touch with us at The Owens Agency LLC. You can call, get online or stop by the Owens Agency LLC offices and we’ll see what we can do to get you covered.
If you are a driver in the Waldron, AR area, then there is a chance that you will have questions about your auto insurance policy. State insurance laws change every year and it is a good idea to know those changes in order to keep from breaking the law. Here are some of the things that you will want to know in order to keep yourself compliant with Arkansas law.
Points of Interest in Arkansas Auto Insurance Laws
No matter where you live in Arkansas the laws are the same. And millions of drivers have to know those laws in order to be able to drive. Here are some of those laws.
- As a driver you must carry liability insurance. If you are pulled over and cannot provide proof of insurance, then you could end up facing jail time. The state can impound your car and it can cost you thousands of dollars to get back.
- State law allows law enforcement to issue computerized tickets. This kind of ticket is like a printed version and still affects your car insurance.
- Accidents are a part of life. The state requires all accidents to move to the side of the road. Failure to comply could end up costing you more for an insurance claim.
The laws for driving in Arkansas are there to protect every driver. They also are designed to minimize insurance losses. If you have questions about how state laws affect your auto insurance, then please call us at The Owens Agency LLC today. We can help answer all of your questions and give you a comprehensive analysis of your insurance needs. The way you understand the insurance laws will affect your driving habits. In the end, it can affect how much you pay for your auto insurance.
Whether you’re looking for auto insurance for your first vehicle or your fifth, it always helps to know how to find the best policy and save money in the process. The team at The Owens Agency LLC has put together three simple tips to help you purchase a new auto insurance claim in Waldron, AR.
1. Work with a Reputable Agent
Finding the right auto insurance policy on your own could take you days or weeks. It requires research, quote comparison, and some knowledge about the insurance industry. To be certain you secure the best policy for your needs at the right price, work with a reputable agent who can answer all your questions and concerns and ultimately help you navigate the many insurance companies and quotes.
2. Compare Quotes
Once you’ve selected a reputable insurance agent, it’s time to start comparing several quotes. Go over each one looking precisely at what is offered and at what price. This isn’t a decision you have to make right away. You can take as long as you need to choose the right one, and remember — you’ll always have your agent available to help you.
3. Bundle Your Policies
Chances are you have other insurance policies. An easy way to save money on all your insurance premiums is to bundle them together under one insurance carrier who loves to reward customer loyalty. As always, your reputable insurance agent will help with this process.
To learn more about purchasing an auto insurance policy in Waldron, AR, contact the team at The Owens Agency LLC to get started. Our friendly agents are standing by waiting to take your call.
If you’ve been involved in a car wreck, the first thing to do is file a report. This will establish who is at fault for the accident. What do you do though if you discover that the other person was at fault but doesn’t have auto insurance? In some states, the rate of uninsured motorists is as high as one in seven (14%). The agents at The Owens Agency LLC work with drivers in the Waldron, AR area to protect themselves from uninsured/underinsured motorists.
Some states have ‘no-fault’ auto insurance laws meaning that each person involved in accidents pays their own expenses. In Arkansas, no-fault insurance is considered an add on to the required minimum liability insurance. This is an option but you can also add uninsured/underinsured motorist coverage to your existing policy. This will protect you if someone else causes an accident but doesn’t have the ability to cover your medical and repair costs. After an accident where you are not at fault, you can try to file a claim with your insurance company though not all of them will pay. Another option is to sue the driver who was at fault. The reality, though, is that if they do not have insurance the chances are that they do not have many assets so the chances of recovering funds for repairs and medical expenses are low.
Talk with your Waldron, AR area agent at The Owens Agency LLC. They will explain the options you have for coverage against uninsured/underinsured motorists. This will help you decide which option is the best for you and your family. Visit the website to get started. Then call or come by for a visit. A short conversation will get you the protection you need for your family on the road.
No matter where in the United States you may live and drive, purchasing car insurance coverage is mandatory. That said, for residents of Waldron, AR, the following is a list of 3 reasons to never go without auto insurance coverage.
One of the top reasons you should never go without auto insurance is because you may be hit with costly fines. In many areas, you could be subjected to fines and often times, you must pay a certain fee for every single day you either drove with no insurance or after your insurance has lapsed.
On another note, if you are either not offered the option to pay a fine or if you cannot afford to pay the fines, your car may be impounded for the same number of days you drove without insurance. Obviously, this could be a highly detrimental issue for those who have no other form of transportation. Therefore, you will definitely not want to drive without insurance if you do not want to have your car impounded.
Ticket and/or Towed
Lastly, if you are caught on the road by a police officer you will get a ticket and/or have your car towed. Driving without insurance is illegal because if you happen to cause an accident, you will likely have no way to pay for the damages. Therefore, if a police officer becomes aware of the fact that you are on the road without proper coverage, you will suffer the consequences.
Overall, for residents of Waldron, AR, purchasing a premium auto insurance policy is a must. Contact The Owens Agency LLC today to find out how you can begin your policy and hopefully save some money as well. If you do not have proper auto insurance coverage, The Owens Agency LLC is an excellent option for purchasing a policy.
Whether it is the call of the open road, business travel, or an emergency road trip, it is prudent to check if your state’s laws differ from the state you are traveling to and through before your trip. At The Owens Agency, LLC, we can help make sure you are fully protected, no matter where you roam. We serve Waldron, AR, and the surrounding areas.
How Can Crossing State Lines Effect My Auto Insurance?
As a general rule, crossing state lines will have little effect on your auto insurance and most states laws are very similar when it comes to driving that there are no emergent risks. However, some situations merit discussion if you plan on traveling out of state because you can be left unprotected in some circumstances.
One way insurance can be effected in another state is if you break the law while driving. You may end up being more liable for an accident than if you got in the same accident in a state without the same law. An example is in Iowa. Drivers are required to give utility trucks the right of way if their lights are on. This law is not common across the nation, but if an accident occurs while not following that law, even if breaking the law did not cause it, you can be held accountable (liable) in some cases. This can affect your claim for that accident.
Contact us at The Owens Agency, LLC if you want to purchase a new auto policy, upgrade your current policy before a trip, or if you have any questions. We serve the drivers in and around Waldron, AR with all of their insurance needs.
Driving a car on a daily basis is a necessity for many people. When you are looking to drive a vehicle in the Waldron, AR area, it is important that you understand what your auto insurance requirements are. For those that are in the area, several factors should be considered when you are trying to determine what your requirements for insurance coverage include.
When you are looking for an auto insurance policy in Arkansas, you should first consider the state requirements. Similar to all states, Arkansas will require that you carry liability coverage whenever you are on the road. In Arkansas, you will be required to carry a personal property damage coverage of at least $25,000 per incident plus bodily injury coverage of at least $50,000 per incident. This is only liability coverage and will not buy any protection for your vehicle.
Collision and Comprehensive
In the state of Arkansas, you are not required to carry collision and comprehensive insurance coverage. However, if you have a loan or a lease on the vehicle, it likely will be required by the finance company. It is important to carefully consider your entire lease or loan document to make sure that you comply with it when you are buying a new auto insurance policy. This will provide you with a variety of different coverage types on top of liability.
When you are trying to determine your auto insurance requirements in the Waldron, AR area, it would be very beneficial to speak with The Owens Agency, LLC. When you meet with The Owens Agency, LLC, our insurance agents will be able to review your personal situation and determine what your insurance requirements are. We will also be able to provide you with a recommended policy that meets your coverage needs. Contact us for a quote.
Driving a car is a practical necessity for many people. For those that are in the Waldron, AR area, driving a car on a daily basis is commonplace. Since these assets are so valuable, making sure they are properly covered by insurance is beneficial. When looking for a new auto insurance policy, there are several requirements that need to be taken into consideration.
State Liability Minimum Requirements
The first requirement that drivers in Arkansas need to consider is the state liability minimum requirements. When driving a car in Arkansas, you will need to have a liability insurance policy in place that will provide you with up to $25,000 of personal property coverage and bodily injury coverage of at least $25,000 per individual with a max of $50,000 per incident.
Additional Coverage Requirements
While the state of Arkansas will only require you to carry the minimum liability insurance, you may also be required to carry collision and comprehensive coverage. These types of coverage will provide you with coverage in a variety of situations including if your car is damaged in an accident, if your vehicle is stolen or vandalized, or if you are in an accident involving an animal. Most auto lenders and lease providers will require you to carry this insurance.
For those that are in the Waldron, AR area and would like to understand their insurance requirements and needs better, one great company to talk to is The Owens Agency, LLC. When you meet with The Owens Agency, LLC you will receive a lot of insight and input into what the basic requirements are for you to comply with the state laws and your loan agreement. Reach out to our agents to get a quote or try our online rating tool for a quote on auto insurance.
People in Mena and Waldron, AR are always looking for ways to save some money. It might surprise the people of Arkansas to know that auto insurance rates in the state are some of the lowest in the United States. Allen Kerr, Arkansas Insurance Commissioner, announced these findings of the National Association of Insurance Commissioners in January of 2018.
The Owens Agency, LLC has played its part in keeping rates for auto insurance low in Arkansas. We feel one of our most important assets is tapping the wealth of agents with local experience.
The laws of Arkansas demand that certain minimums for bodily injury and property damage are maintained for any vehicle. These are three ways you can lower your auto insurance premiums and stay legal.
Let an Agency Shop for You
Do not shop for a better deal on your own. The easiest way to find a lower insurance premium is to deal with an agency that represents a number of the top firms in the country. You can get an immediate comparison of rates for the same coverage. This helps to make a decision simple and fast.
Selecting a higher deductible has a dramatic impact on your premium. This method of premium reduction does not work for all people. Some very expensive cars are not suitable for this method. Younger drivers are not allowed to use a lower deductible due to a higher frequency of accidents.
Your premium will decrease if you drive without an accident. The longer that you drive accident free, the more your premium will go down. Your auto insurance premium will never get to zero. Safe driving does pay in reduced rates. The insurance company would instead give you a break on your premium than pay for an accident because the premium cut costs less.
The Owens Agency, LLC in Waldron, AR is more than happy to find a way to help you lower your auto insurance premiums. Call us at 479-637-2207 to discuss options that can reduce your premiums.
Here at The Owens Agency, LLC in Waldron, AR, one of the questions that we are often asked in relation to auto insurance is whether windshields are covered under an auto insurance policy. Here is a bit of information that you will want to know if you have this question.
Windshields Are Included
Windshields are covered under your auto insurance policy. If a rock flies up and cracks your windshield or if it shatters due to a car accident, you can file an insurance claim and have the windshield repaired or replaced. However, many people are under the impression that they are not included as part of an auto insurance policy because often the cost of the deductible exceeds the cost of the windshield repair or replacement cost. In this case, it makes no sense to file an insurance claim, leading many to believe it is not covered.
Windshields Can Have Their Own Deductibles
In some cases, windshields or auto glass has its own deductible. This deductible may apply specifically to your auto glass and is lower than your regular auto insurance deductible. This helps to make it easier for you to afford windshield repairs or replacement. If you are wondering if you have a separate deductible for auto glass, be sure to read your policy. If you do, it will be clearly stated. If you cannot find this information in the policy, it is because you likely do not have a separate deductible for auto glass or your windshield.
If you are in the market for a new auto insurance policy or are looking to price out policies with auto glass coverage, contact The Owens Agency, LLC in Waldron, AR today. We would love to put together a plan for you and provide you with an estimate. Contact us today to get started.