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Arkansas Insurance Laws and Regulations

The Arkansas Department of Insurance develops and enforces the insurance laws. Consumers can contact the department with questions and complaints about their home and auto insurance. Consumers not receiving the service they expect from their insurer can file a complaint against the insurance company directly with the Department of Insurance. The department accepts complaints, but unfortunately does not publish either raw or compiled complaint data for consumers to use when buying their auto and home insurance.

Important Laws

A summary of the driving safety laws for the state of Arkansas can be found by clicking this link. The information includes a summary of the laws affecting people driving cars, or riding motorcycles or bicycles while using cell phones or texting. Also included are the requirements for child safety seats, wearing a helmet and being under the influence while operating a vehicle in the state of Arkansas.

The Arkansas Statute of Limitations defines the time limit following an accident when you can file a lawsuit. Once this time limit has passed, you can no longer file a lawsuit.

Arkansas has minimum insurance amounts that are required by law. The table below shows the AR minimum car insurance limits.

Resources Available to Consumers

Small Claims Court is available for consumers to resolve issues, without needing to hire an attorney. This link to the small claims court provides more information, including the dollar limit of claims that can be made in this court.

The Federal Emergency Management Agency (FEMA) is for disaster victims who are uninsured, do not have enough insurance coverage or are the victim of a flood.