What is a car accident claim worth in Arkansas?
Every rule below is quoted from Arkansas law or a state agency, with a link. Checked September 17, 2026.
The short answer
Nobody can price your claim from a web page, and any site that gives you one number is guessing. What we can show you is real: the amount insurers actually paid per claim in Arkansas, and the Arkansas rules that raise or lower what you collect. $13,685 was the average injury claim paid in Arkansas in 2022.
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Averages come from NAIC 2022/2023 Auto Insurance Database Report. State rules are quoted from Arkansas law on this site, each with a link.
What claims paid in Arkansas
Injury claims in Arkansas averaged $13,685 each in 2022.
Car and property damage claims averaged $6,340.
| Injury claim paid by the at fault driver's insurance | $13,685 |
|---|---|
| Car and property damage | $6,340 |
| Personal injury protection, paid by your own policy | $7,169 |
| Medical payments coverage, paid by your own policy | $4,648 |
| Collision coverage, paid by your own policy | $7,034 |
These are averages of every claim insurers closed, from the largest to the smallest. A claim with a hospital stay sits far above the average, and a fender bender sits far below it.
What changes the number in Arkansas
If you were partly at fault
Arkansas uses modified comparative fault with a 50 percent bar. If your share of fault is equal to or greater than the other driver's, you cannot recover any damages.
“If the fault chargeable to a party claiming damages is equal to or greater in degree than any fault chargeable to the party or parties from whom the claiming party seeks to recover damages, then the claiming party is not entitled to recover such damages.”
The other driver's policy limit is the ceiling
Arkansas's minimum liability limits are $25,000 per person, $50,000 per accident for injury, and $25,000 for property damage.
“not less than twenty-five thousand dollars ($25,000)" per person ... "not less than fifty thousand dollars ($50,000)" for two or more persons in one accident ... "not less than twenty-five thousand dollars ($25,000)" for property damage in one accident”
If the other driver has no insurance
Insurers must include uninsured motorist coverage in every auto liability policy, but you can turn it down if you reject it in writing.
“The coverage required to be provided under this section shall not be applicable when any insured named in the policy has rejected the coverage in writing, and this rejection shall continue until withdrawn in writing by the insured.”
The deadline that ends the claim
You generally have 3 years from the crash to sue for injuries.
“All actions founded on any contract or liability, expressed or implied... shall be commenced within three (3) years after the cause of action accrues”
What a lawyer takes if you hire one
Arkansas has no dollar or percentage cap on personal injury contingency fees. The fee just has to be reasonable, and the contingency fee agreement itself must be in writing.
“A fee may be contingent on the outcome of the matter for which the service is rendered, except in a matter in which a contingent fee is prohibited by paragraph (d) or other law. A contingent fee agreement shall be in writing and shall state the method by which the fee is to be determined”
Sources on this page
Each one was opened and checked on September 17, 2026.
Know My Claim is not a law firm or a government agency, and this page is not legal advice. Laws change, so check the linked source before you rely on a deadline.