ARKANSAS AUTO INSURANCE GUIDE
Arkansas Government Vehicle Crashes & Political Subdivision Coverage
Arkansas governmental-vehicle claims require careful entity identification and immunity analysis. Arkansas Code § 21-9-303 requires political subdivisions to carry motor-vehicle liability insurance on their vehicles or become self-insurers, and liability exists to the extent of the required coverage.
- Identify the public entity, vehicle ownership and employee’s scope of employment.
- Determine whether liability insurance or self-insurance applies under § 21-9-303.
- Analyze sovereign or governmental immunity separately for state agencies and other public entities.
- Preserve dispatch, video, maintenance, vehicle and notice records immediately.
Primary Arkansas Source
Ark. Code § 21-9-303 — Motor Vehicle Liability Coverage
Current-law review: September 16, 2026. Government claims are entity-specific and deadline-sensitive.
VictimsGuide 