Arkansas Car Accident Settlement Calculator
Get a rough estimate of what a Arkansas car-accident injury claim might be worth, based on your medical bills and losses. This is an estimate to understand the factors — not a prediction or an offer.
This is a rough estimate, not a prediction or an offer.
No tool can predict a settlement. This uses the common "multiplier method" to show the factors that drive value and a wide range — actual outcomes depend on the facts, the available insurance limits, the venue, and negotiation. Consult a Arkansas car-accident attorney about your case.
Enter your medical bills and losses to see an estimated range
The multiplier method (pain-and-suffering as a multiple of your medical bills) is a common starting point, not a guarantee. A real recovery is also capped by the available insurance (the at-fault driver's limits, or your own UM/UIM coverage). Most car-accident cases settle; an attorney is the only way to value your specific claim. This tool is not legal advice and RecordingLaw.com is not a law firm.
How the Estimate Works
No tool can predict a car-accident settlement — every case is different and the number depends on the facts, the available insurance, the venue, and negotiation. This calculator applies the multiplier method: it adds your economic damages (medical bills, lost wages, vehicle damage), then estimates pain and suffering as a multiple of your medical bills (about 1.5× for minor injuries up to 5× or more for catastrophic ones), and shows a wide range. It then applies Arkansas's fault rule and flags the insurance limits that cap a real payout.
Arkansas Is an add-on PIP state
Arkansas is fundamentally an at-fault (tort) state and is NOT one of the 12 traditional no-fault jurisdictions. However, Ark. Code Ann. § 23-89-202 requires every private-passenger auto policy to include first-party "no-fault"-style benefits (medical/hospital, income disability, accidental death) payable without regard to fault. Because those PIP-type benefits exist on top of full tort rights — with no lawsuit threshold limiting the right to sue the at-fault driver for pain and suffering — Arkansas is classified as an ADD-ON PIP state, not a true no-fault state.
Minimum Insurance & UM/UIM in Arkansas
A settlement is only collectible up to the available insurance. Arkansas's minimum required liability coverage is $25,000 per person / $50,000 per accident for bodily injury and $25,000 for property damage. Many drivers carry only the minimum, so a large claim can exceed the at-fault driver's policy. Ark. Code Ann. § 27-22-104 mandates 25/50/25 minimum liability limits: $25,000 for bodily injury or death of one person in one accident; $50,000 for bodily injury or death of two or more persons in one accident; and $25,000 for property damage. It is unlawful to operate a motor vehicle in Arkansas without this coverage (or a certificate of self-insurance). These minimums have not changed for 2026.
Uninsured/underinsured motorist (UM/UIM): if the other driver had no insurance or fled the scene, your recovery comes from your own UM/UIM coverage. In Arkansas, UM/UIM is must be offered (you may reject it in writing). Uninsured-motorist bodily-injury coverage must be offered (at limits up to the insured's liability limits) and may be rejected only in writing — Ark. Code Ann. § 23-89-403. Underinsured-motorist (UIM) coverage must also be offered but is available only if UM is elected, and likewise is rejectable in writing — Ark. Code Ann. § 23-89-209. Uninsured-motorist property-damage coverage is governed by § 23-89-404. None of these are mandatory to carry; the insurer's duty is to offer.
Fault & Your Recovery: modified comparative negligence (50% bar)
Arkansas follows modified comparative negligence (50% bar). Your award is reduced by your share of fault, and you recover nothing once you are 50% or more at fault.
Deadline to File a Arkansas Car-Accident Claim
Arkansas generally requires a car-accident injury lawsuit to be filed within 3 years of the crash (the statute of limitations). Three years for personal-injury negligence claims, including car-accident injury suits, under Ark. Code Ann. § 16-56-105 (actions with a three-year limitation). Property-damage claims are also generally three years. The clock generally runs from the date of injury. Miss it and your claim is usually barred no matter how strong it is, so do not wait to talk to an attorney.
- Arkansas is an at-fault (tort) state with add-on PIP — you can pursue the at-fault driver directly, and there is NO no-fault lawsuit threshold to clear before suing for pain and suffering.
- Minimum required auto liability insurance is 25/50/25: $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage (Ark. Code Ann. § 27-22-104).
- Insurers must provide first-party 'PIP-style' benefits — at least $5,000 in medical/hospital coverage plus income-disability and accidental-death benefits, paid regardless of fault — but you may reject them in writing (Ark. Code Ann. §§ 23-89-202/203).
- Uninsured and underinsured motorist coverage must be offered and can only be waived in writing; UIM is available only if you also carry UM (Ark. Code Ann. §§ 23-89-403, 23-89-209).
- Arkansas follows modified comparative negligence with a 50% bar: your damages are reduced by your share of fault, and you recover nothing if you are 50% or more at fault (Ark. Code Ann. § 16-64-122).
- You generally have 3 years from the crash to file a personal-injury lawsuit (Ark. Code Ann. § 16-56-105).
Frequently Asked Questions
How much is my Arkansas car accident claim worth?
No one can tell you a number in advance. A rough estimate adds your economic damages (medical bills, lost wages, vehicle damage) and applies a pain-and-suffering multiplier, then adjusts for fault under Arkansas's modified comparative negligence (50% bar) rule. The real value also depends on the available insurance limits — an attorney is the only way to value your specific case.
Is Arkansas a no-fault state?
Arkansas is fundamentally an at-fault (tort) state and is NOT one of the 12 traditional no-fault jurisdictions. However, Ark. Code Ann. § 23-89-202 requires every private-passenger auto policy to include first-party "no-fault"-style benefits (medical/hospital, income disability, accidental death) payable without regard to fault. Because those PIP-type benefits exist on top of full tort rights — with no lawsuit threshold limiting the right to sue the at-fault driver for pain and suffering — Arkansas is classified as an ADD-ON PIP state, not a true no-fault state.
Does my own fault reduce my Arkansas settlement?
Yes. Arkansas follows modified comparative negligence (50% bar). You recover nothing once you are 50% or more at fault.
How long do I have to file in Arkansas?
Generally 3 years from the crash. Three years for personal-injury negligence claims, including car-accident injury suits, under Ark. Code Ann. § 16-56-105 (actions with a three-year limitation). Property-damage claims are also generally three years. The clock generally runs from the date of injury.
Is this calculator accurate?
It is a rough estimate to show the factors that drive value — not a prediction or an offer. Real settlements vary enormously and are capped by the available insurance. Treat any number here as a ballpark and consult a Arkansas car-accident attorney.
Disclaimer
This estimator is for general informational purposes only and is not legal advice or a prediction of any outcome. RecordingLaw.com is not a law firm. The value of a car-accident claim can only be assessed by a licensed attorney reviewing your specific facts.