Too many Arkansas drivers carry no insurance or far too little to cover the harm they cause. If you are hit by one of them, uninsured/underinsured motorist (UM/UIM) coverage on your own policy can be the key to recovering for your injuries — but your own insurer may still fight you.
Injury Claim Team connects injured Arkansans with experienced uninsured motorist attorneys who handle these claims across all 75 counties — from Little Rock and Northwest Arkansas to the Delta and the Ouachitas. A free, confidential case review is the fastest way to understand your rights.
Common Causes of Uninsured Motorist Claims in Arkansas
- Hit-and-run drivers
- Drivers with no insurance
- Drivers with minimum policies that don't cover your losses
- Crashes where the at-fault driver's limits are exhausted
Proving Fault and Building Your Claim
UM/UIM coverage steps in when the at-fault driver cannot pay. Surprisingly, pursuing it means filing a claim against your own insurance company — which may still dispute fault and damages. An attorney levels the playing field and helps you access the coverage you paid for.
Arkansas law: Arkansas follows a modified comparative-fault rule (Ark. Code § 16-64-122). You can still recover compensation if you were partly to blame, with your award reduced by your percentage of fault — but if you are found 50% or more at fault, you recover nothing. Insurers exploit this rule constantly, which is why building strong evidence of the other party's fault is critical.
Compensation You May Recover
Every claim is different, but injured Arkansans pursuing a uninsured motorist case may be able to recover:
- Past and future medical bills
- Lost wages and reduced earning capacity
- Pain and suffering
- Emotional distress and mental anguish
- Permanent disability or disfigurement
- Loss of enjoyment of life
- Property damage
The Arkansas Constitution (Article 5, § 32) bars caps on compensatory damages, so a serious, well-documented claim is not artificially limited. A 2025 change in state law (Act 28) does affect how medical expenses are valued, which makes experienced legal guidance even more important.
Deadlines: Don't Wait Too Long
In most Arkansas injury cases you have three years from the date of the accident to file a lawsuit under Ark. Code § 16-56-105. Miss that deadline and your claim is almost always barred. The sooner you act, the easier it is to preserve evidence, locate witnesses, and protect your claim. Even if you are unsure whether you have a case, a free review costs nothing.
Frequently Asked Questions
Coverage on your own policy that pays when the at-fault driver has no insurance (UM) or not enough (UIM) to cover your losses.
Using coverage you paid for after a not-at-fault crash generally should not, but an attorney can advise on your specific situation.
UM coverage often applies to hit-and-run crashes. Report it promptly and document everything.
Related Practice Areas
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Falls, equipment, and site injuries for workers and bystanders.
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Rear-end, intersection, head-on, and multi-vehicle collisions on Arkansas roads and interstates.
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Crashes with 18-wheelers and commercial trucks on I-40, I-30, I-49, I-55 and beyond.
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Serious motorcycle wrecks and the bias riders face from insurers.
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Pedestrians struck in crosswalks, parking lots, and along Arkansas highways.
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