Arkansas does not disclose how long tickets stay on your record. Tickets on your Arkansas driving record can affect your driver's license points, driving privileges, and car insurance rates. The state will suspend your driver’s license if you receive 14 points in three years, which could be caused by four minor speeding tickets.
Still, bear in mind that the amount of time a ticket stays on your record in Arkansas might be different from how long the ticket will affect your car insurance rates. For instance, most car insurance companies check the past three years of your driving record when calculating premiums. But the length of time varies, and certain offenses may disqualify you from a good driver discount for more than three years.
For more information and to find out how to check your Arkansas driving record, see WalletHub’s complete guide to driving records.
You can check your driving record in Arkansas by going to the Arkansas Department of Finance website and requesting a copy of your driving record. It costs $8.50 by mail or in person, $10 online to purchase a copy of your Arkansas driving record online, and you will need to provide your full name, driver's license number and issue date, date of birth, and the last five digits of your Social Security number.… read full answer
Some states like Florida, Georgia, Indiana, Iowa, and Ohio allow residents to check their driving record for free.
How to Check Your Driving Record in Arkansas
Go to the Arkansas Department of Finance website.
Provide your personal information.
Pay any applicable fees.
Driving records are important for insurance purposes because car insurance companies charge higher premiums for customers with a history of violations or accidents. For instance, a single speeding ticket increases premiums by an average of 28% in Arkansas. Checking your driving record can help you verify that the information is correct.
It’s also a good idea to see when a violation occurred, because insurance companies generally look at the past three to five years of your driving record. Once insurance companies stop taking the violation into account, you should compare quotes again to be sure you’re still getting the best rate on the coverage you need.
Insurance companies in Arkansas have 45 working days to settle a claim after it is filed. Arkansas insurance companies also have specific timeframes in which they must acknowledge the claim and then decide whether or not to accept it, before paying out the final settlement.
15 working days to acknowledge the claim and send the policyholder instructions and paperwork. This includes proof-of-loss forms, which serve as a sworn statement from the policyholder about the scope of the damage or injuries.
15 working days to make a decision on the claim after receiving completed proof-of-loss forms.
10 working days to make the final payment if the claim is approved.
There are several factors that can affect exactly how long it takes for an insurance company to settle a claim. For example, claims involving serious or multiple injuries take longer to settle. Additionally, poor communication between the driver, insurance company, and insurance adjuster can slow down the process.
Still, you are entitled to an efficient settlement. If you think that your insurance company is violating the law or operating unethically, you can file a “bad faith” lawsuit, which may award you the original settlement amount with added interest and penalties.
To get auto insurance with a bad driving record, compare quotes and purchase a high-risk car insurance policy. Some national insurance companies, like Geico and Progressive, offer great insurance options for bad drivers, including those who need an SR-22 or FR-44, and other companies – such as The General and Dairyland – specialize in … read full answernonstandard insurance.
1. Look for a high-risk policy
High-risk policies are designed for drivers who are more likely than the average driver to file a claim, and they're usually more expensive than normal policies. Although the specifics of your driving record will affect your coverage options, you should be able to find a policy that works for you from one of the many companies that offer insurance to bad drivers.
2. Compare quotes to find affordable coverage
Since a high-risk policy can cost between $1,800 and $3,300 annually, you might need to temporarily get a basic policy that offers a low level of coverage while you work to improve your driving record. The more coverage you add, the more a car insurance policy is likely to cost.
3. Consider coverage options provided by your state
If a bad driving record is preventing you from getting coverage, you should consider joining your state’s assigned risk pool, where you’ll be assigned to an insurance company and given the minimum coverage required by state law.
Most insurance companies only take the last two to three years of your driving record into account when determining your premium, so if you’re able to practice good habits for long enough, you’ll eventually be able to get a better deal.
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