AR

Arkansas Insurance Regulations

Consumer rights and insurance laws in Arkansas

Overview

Arkansas Insurance Department regulates insurers and protects policyholders. The state follows a modified comparative fault rule where claimants are barred from recovery if found 50% or more at fault for the accident.

Key Insurance Regulations in Arkansas

  • Modified comparative fault — barred from recovery at 50% or more fault
  • 3-year statute of limitations for personal injury and property damage
  • Mandatory auto insurance: 25/50/25 minimum liability

Filing an Insurance Complaint in Arkansas

If you believe your insurance company has acted unfairly or violated Arkansas insurance laws, you can file a complaint with the Arkansas Department of Insurance. The department investigates consumer complaints and can take enforcement action against insurers that violate state regulations.

Before filing a complaint, make sure you have documented all communication with your insurance company, including claim numbers, dates, and the names of representatives you've spoken with. The Arkansas Department of Insurance typically responds to complaints within 30 days.

Arkansas Department of Insurance

Insurance Commissioner: Alan McClain

Phone: (501) 371-2600

Website: https://insurance.arkansas.gov

File a Complaint: Consumer Complaint Portal

Diminished value claims in Arkansas

Yes. Arkansas measures damage to personal property as the difference in fair market value immediately before and after the occurrence, so lost value can be claimed against the at-fault driver's insurer. You have three years to sue for injuring goods or chattels (Ark. Code § 16-56-105), and under Arkansas's modified comparative fault rule (Ark. Code § 16-64-122) you recover only if your fault is less than the other driver's.

Read the Arkansas diminished value guide

Insurance Claim Guides for Arkansas

Browse our detailed insurance claim guides tailored specifically to Arkansas laws and regulations.

Auto Insurance Claims in ArkansasHome Insurance Claims in ArkansasHealth Insurance Appeals in ArkansasInsurance Denial Letter Templates in ArkansasDemand Letter Guide in ArkansasInsurance Settlement Calculator Guide in ArkansasDiminished Value Claims in ArkansasTotal Loss Dispute Guide in ArkansasBad Faith Insurance Claims in ArkansasUnderinsured Motorist Claims in ArkansasUninsured Motorist Claims in ArkansasRental Car Insurance Coverage in ArkansasGAP Insurance Claims in ArkansasInsurance Subrogation Explained in ArkansasPIP (Personal Injury Protection) Guide in ArkansasBodily Injury Claims in ArkansasProperty Damage Claims in ArkansasLiability Claim Process in ArkansasComprehensive Insurance Claims in ArkansasCollision Insurance Claims in ArkansasFlood Insurance Claims in ArkansasFire Insurance Claims in ArkansasTheft Insurance Claims in ArkansasVandalism Insurance Claims in ArkansasAuto Glass Insurance Claims in ArkansasHail Damage Insurance Claims in ArkansasWind Damage Insurance Claims in ArkansasWater Damage Insurance Claims in ArkansasMold Insurance Claims in ArkansasRoof Damage Insurance Claims in ArkansasFoundation Damage Claims in ArkansasSinkhole Insurance Claims in ArkansasEarthquake Insurance Guide in ArkansasHurricane Insurance Claims in ArkansasTornado Damage Insurance Claims in ArkansasLightning Damage Insurance Claims in ArkansasTree Damage Insurance Claims in ArkansasFence Damage Insurance Claims in ArkansasAppliance Breakdown Claims in ArkansasIdentity Theft Insurance Claims in ArkansasCyber Insurance Claims in ArkansasPet Insurance Claims in ArkansasTravel Insurance Claims in ArkansasLife Insurance Disputes in ArkansasDisability Insurance Claims in ArkansasWorkers' Compensation Claims in ArkansasLong-Term Care Insurance Claims in ArkansasDental Insurance Appeals in ArkansasVision Insurance Claims in ArkansasPrescription Drug Appeals in ArkansasAccident Scene Documentation in ArkansasInsurance Adjuster Tactics in ArkansasDiminished Value Calculator Guide in ArkansasTotal Loss Vehicle Valuation in ArkansasCCC Valuation Report Explained in ArkansasPain and Suffering Calculation in ArkansasMedical Bills in Auto Claims in ArkansasLost Wages Insurance Claims in ArkansasFiling a Bad Faith Insurance Lawsuit in ArkansasWhen to Hire a Car Accident Lawyer in ArkansasInsurance Claim Timeline Guide in ArkansasIndependent Vehicle Appraisal Guide in ArkansasAppraisal Clause in Auto Insurance in ArkansasDiminished Value by State in ArkansasTotal Loss Threshold by State in ArkansasRental Car After an Accident in ArkansasYour Rights During Car Repairs in ArkansasOEM Parts in Insurance Claims in ArkansasInsurance Negotiation Tactics in ArkansasDemand Package for Auto Claims in ArkansasCommon Insurance Claim Denial Reasons in ArkansasStatute of Limitations for Auto Claims in ArkansasFiling Claims in No-Fault States in ArkansasAt-Fault Accident Claims in ArkansasComparative Negligence in Claims in ArkansasUninsured Motorist Property Damage in ArkansasHit and Run Insurance Claims in ArkansasParking Lot Accident Claims in ArkansasRideshare Accident Insurance Claims in ArkansasCommercial Vehicle Accident Claims in ArkansasDeer Collision Insurance Claims in ArkansasFlood Car Damage Claims in ArkansasCatalytic Converter Theft Claims in ArkansasCar Break-In Insurance Claims in ArkansasTire Blowout Accident Claims in ArkansasPothole Damage Insurance Claims in ArkansasHail Damage Car Claims in ArkansasHow to Review Your Auto Insurance Policy in ArkansasAuto Insurance Coverage Gaps in ArkansasMulti-Vehicle Accident Claims in ArkansasDisputing Fault Determination in ArkansasFiling an Insurance Commissioner Complaint in ArkansasNegotiating Diminished Value Claims in ArkansasFighting a Total Loss Declaration in ArkansasBodily Injury Settlement Guide in ArkansasInsurance Fraud Prevention Guide in ArkansasSubstandard Auto Repair Claims in ArkansasTotal Loss Buy-Back Process in ArkansasInsurance Claims After a DUI in ArkansasCommercial Auto Insurance Claims in ArkansasStorage Unit Insurance Claims in Arkansas

Other State Insurance Regulations

AL — AlabamaAK — AlaskaAZ — ArizonaCA — CaliforniaCO — ColoradoCT — ConnecticutDE — DelawareDC — District of ColumbiaFL — FloridaGA — GeorgiaHI — HawaiiID — IdahoIL — IllinoisIN — IndianaIA — IowaKS — KansasKY — KentuckyLA — LouisianaME — MaineMD — MarylandMA — MassachusettsMI — MichiganMN — MinnesotaMS — MississippiMO — MissouriMT — MontanaNE — NebraskaNV — NevadaNH — New HampshireNJ — New JerseyNM — New MexicoNY — New YorkNC — North CarolinaND — North DakotaOH — OhioOK — OklahomaOR — OregonPA — PennsylvaniaRI — Rhode IslandSC — South CarolinaSD — South DakotaTN — TennesseeTX — TexasUT — UtahVT — VermontVA — VirginiaWA — WashingtonWV — West VirginiaWI — WisconsinWY — Wyoming

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