Arkansas · Uninsured driver · Updated Oct 2026

Hit by an uninsured driver in Arkansas: coverage, penalties and what to do

Your coverage, the penalties and how to claim your losses.

Short answer

If the other driver has no insurance, you can claim under your uninsured motorist coverage if you have it. Insurers must offer uninsured motorist coverage.

Uninsured motorist (UM) coverage
Not required
Minimum liability
25/50/25
Insurance system
Fault (tort)

Uninsured motorist coverage in Arkansas

Uninsured / underinsured motorist (UM/UIM)
Insurers must offer uninsured motorist coverage. It is included in your policy unless you sign a statement rejecting it. Uninsured motorist property damage has a $200 deductible. Underinsured motorist coverage is also sold; it pays when the at-fault driver's insurance is too low for your injuries.
Liability minimum
25/50/25
Official text
Read the official text

Compare every state in the minimum insurance table.

If the other driver has no insurance in Arkansas

  • If the other driver has no insurance, you can claim under your uninsured motorist coverage if you have it.
  • UM property damage has a $200 deductible.
  • That deductible doesn't apply if the same company also covers you for collision, and the uninsured driver is identified and solely at fault.
  • Driving without the required liability insurance is illegal in Arkansas.

More facts for Arkansas

  • Uninsured motorist coverage is included in your policy unless you reject it in writing; to turn down PIP you must also reject it in writing (Arkansas Insurance Department brochure).

How fast an insurer must handle a claim in Arkansas

  • Arkansas Insurance Department Rule 43 (Unfair Claims Settlement Practices): insurers must acknowledge a claim within 15 working days.
  • They must finish their investigation within 45 calendar days unless that's not reasonably possible, and then they must tell you why they need more time.
  • On a claim under your own policy, they must accept or deny it within 15 working days after receiving proof of loss, or explain in writing why they need more time.

Claiming from the uninsured driver in Arkansas

Small claims limit for car damage in Arkansas: $5,000. Arkansas small claims guide on Small Claims Map

Step by step if an uninsured driver hits you in Arkansas

  1. Report the crash to the police. If anyone is hurt, call 911. Reporting a crash in Arkansas and getting the police report
  2. Write down the other car's plate and get witness names.
  3. Claim under your uninsured motorist coverage; in Arkansas it is not required.
  4. If your coverage doesn't pay everything, sue the driver before the deadline: 3 years for both property damage and injury.

Free help in Arkansas

Questions about uninsured drivers in Arkansas

Is uninsured motorist coverage required in Arkansas?

Insurers must offer uninsured motorist coverage. It is included in your policy unless you sign a statement rejecting it. Uninsured motorist property damage has a $200 deductible. Underinsured motorist coverage is also sold; it pays when the at-fault driver's insurance is too low for your injuries.

What can I do if an uninsured driver hits me in Arkansas?

If the other driver has no insurance, you can claim under your uninsured motorist coverage if you have it. UM property damage has a $200 deductible. That deductible doesn't apply if the same company also covers you for collision, and the uninsured driver is identified and solely at fault. Driving without the required liability insurance is illegal in Arkansas.

What is the minimum car insurance in Arkansas?

25/50/25

How long do I have to sue an uninsured driver in Arkansas?

3 years for property damage and 3 years for injury.

How fast must an insurer handle a car insurance claim in Arkansas?

Arkansas Insurance Department Rule 43 (Unfair Claims Settlement Practices): insurers must acknowledge a claim within 15 working days. They must finish their investigation within 45 calendar days unless that's not reasonably possible, and then they must tell you why they need more time.

More for Arkansas drivers

Nearby states

Sources

Last checked: Oct 24, 2026.