Hit by an Uninsured Driver in Arkansas: What Are Your Options?

Arkansas has one of the higher rates of uninsured drivers in the country. Being hit by someone with no insurance — or not enough — is frightening, but you may have more options than you think.

Uninsured/Underinsured Motorist Coverage

Arkansas requires insurers to offer uninsured motorist (UM) and underinsured motorist (UIM) coverage, though drivers can reject it in writing. If you carry it, this coverage steps in when the at-fault driver has no insurance or too little to cover your losses.

Many Arkansans have this protection without realizing it. Checking your own policy after a crash is one of the most important early steps.

How a UM/UIM Claim Works

Even though you are filing with your own insurer, the claim is still adversarial — your insurance company will scrutinize and may dispute it just like any other. You must still prove the other driver's fault and the extent of your damages.

Because you are dealing with your own insurer, people are often caught off guard by how hard these claims can be to settle fairly.

Protecting Your Recovery

An attorney can identify all available coverage, including stacking multiple policies where allowed, and push back when your own insurer undervalues the claim. Acting promptly also preserves your rights under policy notice requirements.

This article is general information about Arkansas law, not legal advice for your specific situation. For advice about your claim, request a free case review.

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