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Arkansas · State Law Library Hub
Arkansas Auto Insurance & Crash Law Library
A public legal education and research library for Arkansas auto insurance, statutory first-party benefits, UM/UIM, comparative fault, damages and settlement.
Arkansas State Law Library
Numbered guides by legal category
Start with Guide 01 if you are new to the library. Browse all 22 issue guides by legal category. Legal-currentness and source-integrity review remain pending; use the current official sources and the actual policy before relying on a summary.
Getting Started in Arkansas
State-specific working guide: how to use the library, build the claim map, and decide what to do first.
Coverage & Insured Status
Required insurance, every policy, insured status, UM/UIM, stacking and policy interpretation.
Insurer Duties & Claims Conduct
Disclosure, claims handling, agents, defense and failure to settle.
Vehicle & Use Questions
Borrowed and rental vehicles, work use, rideshare and public-entity vehicles.
Liability & Proof
Comparative fault, crash investigation and evidence preservation.
Damages & Resolution
Damages, wrongful death, first-party benefits, reimbursement and settlement.
Case Authority
Arkansas statutes and appellate authority organized by issue.
Guide 01 · Arkansas Citizen’s Guide
How to use this library before making a final claim decision
Build the claim map first. Keep liability, medical and hospital benefits, income-disability benefits, accidental-death benefits and UM/UIM questions distinct. Collect the relevant selection and rejection records before deciding which benefits are available.
List the drivers, owners, injured people, possible employers and other responsible parties. Use Guide 02 and Guide 21 to organize liability insurance and first-party benefit questions.
Start with Guide 03, then read Guide 05 and Guide 06. Gather declarations, endorsements and written selections or rejections. Use Guide 13 for a dealer loaner or rental.
Use Guide 18 for reports, photographs, video, witnesses, vehicle data and medical chronology. Keep a separate deadline calendar and consult Guide 16 when a government vehicle or political subdivision may be involved.
Read Guide 21, Guide 22, the case-authority library and official sources. Identify remaining coverage, reimbursement interests and released parties before a final decision.
Arkansas Published-Law Snapshot
Issues identified in the existing Arkansas library
25 / 50 / 25 liability
Arkansas requires 25/50 bodily-injury liability and $25,000 property-damage coverage.
Modified comparative fault
Recovery can be barred when claimant fault reaches the statutory threshold.
UM/UIM
Preserve rejection/election records and the operative limits.
First-party benefits
Medical/hospital, income-disability and accidental-death benefits require separate review.
Every policy matters
Owner, household, employer, commercial, umbrella and excess coverage may matter.
Arkansas Insurance Department
The Department regulates insurers, policy forms, complaints and market conduct.
Currentness status: the snapshot retains previously published Arkansas content. Legal Currentness and Source Integrity remain pending in the Registry; the layout-update date is not a new legal-review date.
Primary Research
Official Arkansas research sources
VictimsGuide is the navigation layer. Current primary authority, the actual insurance contract and the verified factual record control.
Arkansas Legislature
Open statutes →Arkansas Insurance Department
Open regulator →Arkansas Judiciary
Open courts →Arkansas DFA
Open vehicle resources →How this library stays current
Build the complete Arkansas coverage and claim map
Identify mandatory liability, statutory first-party benefits, UM/UIM selections or rejections, every policy and insured, comparative fault, evidence, damages, insurer conduct, reimbursement and release consequences before claim closure.
Do not let one insurance card define the available recovery.
Find the policies, identify the insureds and responsible parties, preserve the evidence, and review benefits, damages, reimbursement and release consequences before treating a claim as complete.