{"id":371637,"date":"2016-10-03T14:14:58","date_gmt":"2016-10-03T19:14:58","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/state\/arkansas-law\/arkansas-car-accident-compensation-laws.html"},"modified":"2025-01-02T11:14:00","modified_gmt":"2025-01-02T16:14:00","slug":"arkansas-car-accident-compensation-laws","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/state\/arkansas-law\/arkansas-car-accident-compensation-laws.html","title":{"rendered":"Arkansas Car Accident Compensation Laws"},"content":{"rendered":"\n<div class=\"wp-container-core-columns-is-layout-9d6595d7 fl-sectionWithSidebar fl-container fl-flex fl-flex-wrap fl-gap30\">\n    \n    <div class=\"fl-page-articles fl-section-main fl-section-main-full-width\">\n        <h1 class=\"fl-no-margin-top\">Arkansas Car Accident Compensation Laws<\/h1>\n<section class=\"fl-gutenberg-byline\">\n    <div class=\"fl-gutenberg-byline-content\">\n                    By <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/susan-buckner-j-d\/\">Susan Buckner, J.D.<\/a> | Legally reviewed by <a\n                href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">Garrett Monteagudo, Esq.<\/a>\n                | Last reviewed\n        <time>\n                            January 02, 2025\n                    <\/time>\n    <\/div>\n\n    \n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-legally-reviewed\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Legally Reviewed\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>This article has been written and reviewed for legal accuracy, clarity, and style by <a href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with <a href=\"https:\/\/www.findlaw.com\/company\/company-history\/editorial-policy.html\">our editorial standards<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n\n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-fast-checked\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Fact-Checked\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>The last updated date refers to the last time this article was reviewed by FindLaw or one of our <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/contributing-authors.html\">contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please <a href=\"https:\/\/lawyers.findlaw.com\/?fli=bylinelink\" target=\"_blank\" rel=\"noopener\">contact an attorney in your area<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n<\/section>\n<p>When you&#8217;re involved in an auto accident, your insurance company and the laws of the state partially determine your outcome. Every state handles insurance claims in its own way.<\/p>\r\n<p>No matter where you live, you must have comprehensive car insurance. A few states require uninsured motorist coverage because so many drivers don&#8217;t have insurance. In Arkansas, you only need <a href=\"https:\/\/codes.findlaw.com\/ar\/title-27-transportation\/ar-code-sect-27-22-104.html\" target=\"_blank\" rel=\"noopener\">liability coverage<\/a> and property damage protection.<\/p>\r\n<p>After a car accident, you must stay on the scene and exchange insurance information with the other driver. If there were injuries or property damage over $1000, the drivers must report the accident to the police. The Arkansas Office of Driver Services must receive a report of any accident within 30 days (Arkansas Code section <a href=\"https:\/\/codes.findlaw.com\/ar\/title-27-transportation\/ar-code-sect-27-19-501.html\" target=\"_blank\" rel=\"noopener\">27-19-501<\/a>).<\/p>\r\n<p>Continue reading to learn more about Arkansas car accident compensation laws.<\/p>\r\n<h2><b>Arkansas Car Accident Laws<\/b><\/h2>\r\n<p>Protecting yourself from liability begins at the time of the accident. Under <a href=\"https:\/\/www.findlaw.com\/state\/arkansas-law\/arkansas-car-accident-report-basics.html\">Arkansas law<\/a>, drivers must remain at the scene and notify law enforcement if there are injuries or serious property damage. Leaving the scene of an accident can result in criminal charges. It may also void your insurance policy.<\/p>\r\n<p>Getting fair compensation after a car accident in Arkansas means showing the other driver caused the accident and minimizing your liability.<\/p>\r\n<h3><b>Fault<\/b><\/h3>\r\n<p>Arkansas, like most states, is an &quot;at-fault&quot; insurance state. The at-fault driver&#8217;s insurance pays all claims in the accident. After an accident, you can:<\/p>\r\n<ul>\r\n<li>File a claim with your auto insurance company. Your company then files a claim against the other driver&#8217;s insurance company for reimbursement.<\/li>\r\n<li>Make a claim with the other driver&#8217;s insurance. A &quot;third-party&quot; claim lets you claim damages that your own policy does not cover.<\/li>\r\n<li>File a <a href=\"https:\/\/www.findlaw.com\/injury\/accident-injury-law\/first-steps-in-personal-injury-claim.html\">personal injury lawsuit<\/a> against the at-fault driver. You may need to wait until your insurer denies your claim before you can file a lawsuit.<\/li>\r\n<\/ul>\r\n<h3><b>Negligence<\/b><\/h3>\r\n<p>Fault requires proving negligence. Who files the car accident lawsuit must prove the other party did something that caused the accident.<\/p>\r\n<ul>\r\n<li>The defendant must have a duty to the claimant. In car accidents, this means obeying <a href=\"https:\/\/www.findlaw.com\/traffic.html\">traffic laws<\/a>.<\/li>\r\n<li>The defendant must have breached the duty by violating the law or driving recklessly.<\/li>\r\n<li>The breach must have caused some harm to the claimant. The accident must have directly injured the claimant<\/li>\r\n<li>The claimant must have suffered an actual injury. In a personal injury case, claimants cannot recover for possible injuries.<\/li>\r\n<\/ul>\r\n<p><a href=\"https:\/\/www.findlaw.com\/litigation\/filing-a-lawsuit\/civil-cases-vs-criminal-cases-key-differences.html\">Unlike criminal court<\/a>, in civil court, the victim must gather evidence and present their case. You must provide the police report, medical bills, witness statements, and other evidence.<\/p>\r\n<h3><b>Modified Comparative Negligence Rule<\/b><\/h3>\r\n<p>In Arkansas, courts calculate damages using the <a href=\"https:\/\/codes.findlaw.com\/ar\/title-16-practice-procedure-and-courts\/ar-code-sect-16-64-122.html\" target=\"_blank\" rel=\"noopener\">modified comparative negligence<\/a> standard. The comparative fault rule recognizes that in most accidents, both drivers share some responsibility for the collision. For instance, one driver may have been speeding and ran a red light, but the other driver could have avoided injuries if they had been wearing their seat belt.<\/p>\r\n<p>Arkansas&#8217; modified rule lets drivers recover if they are less than 50% responsible for their accident. Drivers less than 50% at fault have their recovery reduced in proportion to their degree of fault. In practice, modified comparative negligence looks like this:<\/p>\r\n<table>\r\n<tbody><tr><th><p style=\"text-align: left;\">Degree of Fault<\/p>\r\n<\/th>\r\n<th><p style=\"text-align: left;\">Recovery<\/p>\r\n<\/th>\r\n<th><p style=\"text-align: left;\">Damages?<\/p>\r\n<\/th>\r\n<\/tr><tr><td>0-49%<\/td>\r\n<td><p>Yes<\/p>\r\n<\/td>\r\n<td>Total damages &#8211; % of fault<\/td>\r\n<\/tr><tr><td>50% or more<\/td>\r\n<td><p>No<\/p>\r\n<\/td>\r\n<td><p>Cannot recover damages<\/p>\r\n<\/td>\r\n<\/tr><\/tbody><\/table>\r\n<p>In monetary terms, if you are 10% at fault, you can recover 40% of your damages.<\/p>\r\n<p>Some states use <a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents\/comparative-negligence.html\">pure comparative negligence<\/a>. In these states, drivers can recover regardless of their degree of fault. A few states still use <a href=\"https:\/\/www.findlaw.com\/injury\/accident-injury-law\/contributory-and-comparative-negligence.html\">contributory fault<\/a>. If a driver is even 1% at fault, they cannot recover anything for their accident.<\/p>\r\n<h2><b>Damages in a Personal Injury Case<\/b><\/h2>\r\n<p>In a personal injury case, &quot;damages&quot; are always monetary. That is, claimants will always receive money in a settlement or award. There are two types of damages: economic and non-economic.<\/p>\r\n<p><a href=\"https:\/\/www.findlaw.com\/injury\/accident-injury-law\/economic-recovery-for-accidents-and-injuries.html\">Economic damages<\/a> are those that courts can reasonably calculate, such as wages or medical treatment. <a href=\"https:\/\/www.findlaw.com\/injury\/accident-injury-law\/injury-damages.html\">Non-economic damages<\/a>, like pain and suffering, are less easy to calculate. But, claimants still receive a monetary payout for these damages.<\/p>\r\n<p>Some types of damages available in a car accident case include:<\/p>\r\n<ul>\r\n<li><b>Property damage<\/b>: This can include vehicle damage, personal property, or real property, such as buildings or fences.<\/li>\r\n<li><b>Lost wages<\/b> and other loss of income: This can include future opportunities.<\/li>\r\n<li><b>Medical expenses<\/b>: This can include surgeries, rehabilitation, and medical devices.<\/li>\r\n<li><b style=\"background-color: transparent;\">Pain and suffering<\/b>: Courts use different types of calculators to assess pain and suffering, but the most common is a &quot;multiplier.&quot; This takes the total amount of medical bills and multiplies it by the severity of the injuries.<\/li>\r\n<li><b>Loss of consortium<\/b>: Family members <a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents\/how-to-prove-loss-of-consortium-in-a-car-accident-claim.html\">make this claim<\/a> following a wrongful death or other traumatic loss.<\/li>\r\n<\/ul>\r\n<p><a href=\"https:\/\/codes.findlaw.com\/ar\/title-16-practice-procedure-and-courts\/ar-code-sect-16-55-206.html\" target=\"_blank\" rel=\"noopener\">Punitive damages<\/a> are only awarded in personal injury claims if the plaintiff can show the defendant knew their conduct would cause serious bodily injury or death and they intentionally carried out their course of action. Arkansas caps punitive damages in personal injury claims at three times the compensatory damages or $1 million total.<\/p>\r\n<h2><b>Limitations on Damages<\/b><\/h2>\r\n<p>Arkansas accident victims must file their personal injury case within three years of the date of the accident. The <a href=\"https:\/\/www.findlaw.com\/state\/arkansas-law\/arkansas-civil-statute-of-limitations-laws.html\">statute of limitations<\/a> bars any recovery after that date. At the same time, your insurance company may require you to go through their claims process before filing a lawsuit. It&#8217;s important to consult a <a href=\"https:\/\/lawyers.findlaw.com\/personal-injury-plaintiff\/arkansas\/\" target=\"_blank\" rel=\"noopener\">personal injury lawyer<\/a> right away after an accident.<\/p>\r\n<p>Arkansas has no damage caps on economic and non-economic damages. But, accident victims must keep their insurance claim &quot;reasonable.&quot; The court considers all evidence submitted and will not accept excessive claims for millions of dollars unless you have evidence supporting your claim.<\/p>\r\n<h2><b>Need Legal Advice? Consult an Arkansas Car Accident Lawyer<\/b><\/h2>\r\n<p>After a car crash, filing a car accident claim is only the first step. You may need to begin legal action, and you only have a short time to do so. To protect your rights, contact an&nbsp;<a href=\"https:\/\/lawyers.findlaw.com\/motor-vehicle-accidents-plaintiff\/arkansas\/?fli=dcta\" target=\"_blank\" rel=\"noopener\">Arkansas car accident attorney<\/a> right away.<\/p>\r\n<div class=\"was-this-helpful\">\n    <div\n            class=\"was-this-helpful__question-container\"\n            aria-labelledby=\"was-this-helpful__question\"\n            role=\"group\"\n    >\n        <span\n                id=\"was-this-helpful__question\"\n                class=\"was-this-helpful__question fl-text-lg-bold\"\n        >Was this helpful?<\/span>\n        <button\n                class=\"was-this-helpful__button fl-text-sm\"\n                aria-label=\"Yes\"\n                value=\"yes\"\n        >\n            <span class=\"was-this-helpful__button-text fl-text-bold\">Yes<\/span>\n            <i class=\"was-this-helpful__button-icon\">\n                <svg width=\"22\" height=\"22\" viewBox=\"0 0 22 22\" fill=\"none\" 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id=\"clip0_604_3418\">\n                            <rect width=\"22\" height=\"22\" fill=\"white\"><\/rect>\n                        <\/clipPath>\n                    <\/defs>\n                <\/svg>\n            <\/i>\n        <\/button>\n        <button\n                class=\"was-this-helpful__button fl-text-sm\"\n                aria-label=\"No\"\n                value=\"no\"\n        >\n            <span class=\"was-this-helpful__button-text fl-text-bold\">No<\/span>\n            <i class=\"was-this-helpful__button-icon\">\n                <svg width=\"22\" height=\"22\" viewBox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <g id=\"thumbs-down\" clip-path=\"url(#clip0_604_3423)\">\n                        <path id=\"Vector\"\n                              d=\"M16 0.999995H18.67C19.236 0.989986 19.7859 1.18813 20.2154 1.55681C20.645 1.9255 20.9242 2.43905 21 3V10C20.9242 10.5609 20.645 11.0745 20.2154 11.4432C19.7859 11.8119 19.236 12.01 18.67 12H16M9.00003 14V18C9.00003 18.7956 9.3161 19.5587 9.87871 20.1213C10.4413 20.6839 11.2044 21 12 21L16 12V0.999995H4.72003C4.2377 0.994543 3.76965 1.16359 3.40212 1.47599C3.0346 1.78839 2.79235 2.22309 2.72003 2.7L1.34003 11.7C1.29652 11.9866 1.31586 12.2793 1.39669 12.5577C1.47753 12.8362 1.61793 13.0937 1.80817 13.3125C1.99842 13.5313 2.23395 13.7061 2.49846 13.8248C2.76297 13.9435 3.05012 14.0033 3.34003 14H9.00003Z\"\n                              stroke=\"#666666\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                    <\/g>\n                    <defs>\n                        <clipPath id=\"clip0_604_3423\">\n                            <rect width=\"22\" height=\"22\" fill=\"white\"\/>\n                        <\/clipPath>\n                    <\/defs>\n                <\/svg>\n            <\/i>\n        <\/button>\n    <\/div>\n    <span class=\"was-this-helpful__taken-action fl-text-sm-bold\"><\/span>\n    <div 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class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--missing-info\"\n                        >Missing the information I need<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--complicated\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Too complicated\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--complicated\"\n                        >Too complicated \/ too many steps<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--dated\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Out of date\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--dated\"\n                        >Out of date<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n               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<span class=\"fl-button-content\">Submit<\/span>\n                    <i\n                        class=\"fa fa-angle-right medium\"\n                        aria-hidden=\"true\"\n                    ><\/i>\n                <\/button>\n                <button\n                    class=\"was-this-helpful__feedback-button was-this-helpful__feedback-button--cancel fl-button primary disabled\"\n                    type=\"reset\"\n                >\n                    <span class=\"fl-button-content\">Cancel<\/span>\n                    <i\n                        class=\"fa fa-times-circle medium\"\n                        aria-hidden=\"true\"\n                    ><\/i>\n                <\/button>\n            <\/div>\n        <\/form>\n    <\/div>\n    <div class=\"was-this-helpful__thank-you-message\" role=\"status\">\n        <i class=\"was-this-helpful__thank-you-message-icon fa fa-check\"><\/i>\n        <p class=\"was-this-helpful__thank-you-message-text\" aria-live=\"polite\"><\/p>\n    <\/div>\n<\/div>\n\n\n    <\/div>\n    \n    <div class=\"fl-section-sidebar\">\n        <div class=\"fl-editors-summary\" data-testid=\"fl-editors-summary\">\n    \n    <div class=\"fl-editors-summary-content\" data-testid=\"fl-editors-summary-content\">\n                    <h2>Can I Solve This on My Own or Do I Need an Attorney?<\/h2>\n                <div class=\"fl-editors-summary-content-main\" data-testid=\"fl-editors-summary-content-main\">\n            \n        <\/div>\n        <ul class=\"fl-list-style-none\">\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    A lawyer can help seek fair compensation on your behalf\n\n                <\/li>\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    Car accident claims are complex and insurance carriers have lawyers on their side\n\n                <\/li>\n                    <\/ul>\n                    <div class=\"fl-editors-summary-content-description\" data-testid=\"fl-editors-summary-content-description\">\n                <p>Get tailored legal advice and ask a lawyer questions about your accident. 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