ARKANSAS AUTO INSURANCE GUIDE
Arkansas Borrowed, Dealer Loaner & Rental Vehicles
Arkansas law can extend an insured’s liability, physical-damage, UM/UIM and bodily-injury coverage to qualifying temporary substitute, demonstrator, rental or leased vehicles, with primary-coverage rules that require careful review.
- Identify the owner, borrower, rental company or dealer.
- Obtain both the driver’s policy and any vehicle-owner coverage.
- Review Ark. Code § 27-19-713 and the actual policy language.
- Determine which coverage is primary and whether exclusions or contractual indemnity provisions apply.
Publication review note — September 17, 2026. Verify current § 27-19-713 and controlling authority before publication.
VictimsGuide 