quick heads-up on Arkansas auto insurance basics

Couldn’t agree more - UM is one of those “better safe than sorry” deals. I had a buddy with a new Audi get rear-ended by someone with the bare minimum coverage, and the repair bill was almost double what their insurance would pay. UM made up the difference, but yeah, it took a while. Out of curiosity, has anyone here actually had a claim denied or run into weird exclusions with their UM policy? Just wondering if there are any gotchas I should watch out for.

Check whether the policy includes uninsured-motorist property-damage coverage, since uninsured-motorist bodily-injury coverage won’t cover repairs to the car. Compare the injury and property-damage limits separately, along with the deductible, exclusions, and the policy’s rules for hit-and-run claims. Those details can matter more than the headline UM limit when the other driver has only modest property-damage coverage. Does Arkansas UM property-damage coverage typically have a deductible or special hit-and-run requirements?