Arkansas car accident leads
Summit Leads supplies car accident leads in Arkansas and every other U.S. state by real-time ping/post, exclusive by default, with ZIP code filters. Arkansas requires only liability coverage, but the Insurance Department brochure (Rev. 11/2025) explains that PIP and uninsured motorist coverage stay on a policy unless rejected in writing.
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Arkansas facts for car accident lead buyers
| Fact | Value Source |
|---|---|
| Auto insurance system | Liability coverage is the only coverage required by law; it answers claims for crashes the policyholder is legally liable for (AID brochure, Rev. 11/2025)Automobile Insurance brochure (Rev. 11/2025) Arkansas Insurance Department |
| Minimum liability limits | $25,000 for one person and $50,000 for two or more persons for bodily injury; $25,000 property damage (AID brochure, Rev. 11/2025)Automobile Insurance brochure (Rev. 11/2025) Arkansas Insurance Department |
| Personal injury protection | Offered in three parts (medical payments, lost wages, death benefits); rejecting it takes a written rejection (AID brochure, Rev. 11/2025)Automobile Insurance brochure (Rev. 11/2025) Arkansas Insurance Department |
| Who PIP covers | Household members, non-household passengers without their own PIP, and pedestrians or cyclists struck by the insured auto (AID brochure, Rev. 11/2025)Automobile Insurance brochure (Rev. 11/2025) Arkansas Insurance Department |
| Uninsured motorist coverage | Included unless the buyer signs a rejection; insurers must offer bodily injury limits up to the liability limits (Ark. Code 23-89-403(3)(A), per AID brochure, Rev. 11/2025)Automobile Insurance brochure (Rev. 11/2025) Arkansas Insurance Department |
| Uninsured motorist property damage | $200 deductible, waived in listed cases (AID brochure, Rev. 11/2025)Automobile Insurance brochure (Rev. 11/2025) Arkansas Insurance Department |
| Comparative fault cutoff | No damages if the plaintiff's own fault is 50 percent or greater, the existing law that Act 649 of 2003, Section 7, says it does not amendAct 649 of 2003 (House Bill 1038), Civil Justice Reform Act of 2003, Section 7 Arkansas State Legislature |
| SR-1 accident report | Due within 30 days when one person's property damage exceeds $1,000 or anyone is injured or killed, regardless of fault (Arkansas DFA, as of 2026)Safety Responsibility Arkansas Department of Finance and Administration |
| Traffic fatalities | 596 in 2023 (NHTSA FARS)FARS Encyclopedia: Fatalities and Fatality Rates by State NHTSA |
Last reviewed: October 7, 2026. A summary for education, not legal advice.
Arkansas: a liability-only mandate with PIP and UM kept by default
This section is general information, not legal advice. It summarizes official sources as of October 7, 2026; check the current text of each rule before relying on it.
Arkansas requires one auto coverage and leaves the rest to the policyholder. The Arkansas Insurance Department automobile insurance brochure (Rev. 11/2025) says drivers are required by law to purchase liability protection only, and that all other coverages are voluntary unless a lienholder requires them. Liability bodily injury coverage answers claims from people injured in a crash the policyholder is legally liable for.
Two optional coverages are harder to drop than to keep. Personal injury protection comes in three parts (medical payments, lost wages and death benefits), and the brochure says a policyholder who wants none of it "must reject it in writing." Uninsured motorist coverage is included in the policy unless the buyer signs a statement rejecting it, and the brochure cites Ark. Code 23-89-403(3)(A) for the insurer's duty to offer uninsured motorist bodily injury limits up to the liability limits the applicant chose.
PIP reaches beyond the policyholder. According to the same brochure, it covers household members injured or killed in the insured car, passengers from outside the household who lack their own PIP, and any pedestrian or cyclist the insured car strikes. For a pedestrian or cyclist lead, the striking driver's insurer is a field worth capturing.
Arkansas 25/50/25 liability minimums
The Insurance Department brochure (Rev. 11/2025) states that, under legislation passed in 1987 and 1999, it is unlawful to drive in Arkansas without at least $25,000 for bodily injury or death of one person in any one accident, $50,000 for two or more persons, and $25,000 for damage to the property of others.
Uninsured motorist property damage, when bought, carries a $200 deductible per the same 2025 brochure, which drops when the same company writes the collision and UMPD coverage and the uninsured driver is identified and solely at fault.
Where Arkansas sets the fault cutoff
This section is general information, not legal advice. It summarizes official sources as of October 7, 2026; check the current text of each rule before relying on it.
Arkansas's 2003 tort reform act speaks to the fault cutoff directly. Section 7 of Act 649 of 2003, the Civil Justice Reform Act, says the act does not amend the existing law under which a plaintiff may not recover any damages if the plaintiff's own fault is determined to be 50 percent or greater.
Because the cutoff turns on a percentage, buyers ask how the crash happened and who was cited rather than a single yes or no fault question.
Arkansas crash reporting and traffic deaths
Arkansas has its own crash report for financial responsibility. The Department of Finance and Administration safety responsibility page (2026) says an SR-1 accident report must be submitted within 30 days when damage to any one person's property exceeds $1,000 or the crash injures or kills anyone, regardless of who is at fault. Whether an SR-1 or police report exists is a useful field on an Arkansas lead.
For fatal crashes, the NHTSA FARS state table (2023 data) counts 596 traffic deaths in Arkansas in 2023. FARS does not count injury crashes, which are where most car accident leads come from.
What buyers in Arkansas filter on
These are the fields Arkansas buyers ask for most, each tied to a rule on this page:
- Accident date: how recent the crash is, and whether the 30-day SR-1 window has passed.
- Fault answers: liability coverage answers for crashes its policyholder is legally liable for, so who caused the crash comes first.
- Claimant's coverage: whether PIP or uninsured motorist coverage was rejected in writing.
- Other driver's insurance: insured, uninsured or unknown.
- Injury and treatment: injury type, first treatment and ongoing care.
- Representation status: claimants who already have a lawyer are excluded.
- ZIP code: buyers choose the ZIP codes their firms cover.
Where buyers filter in Arkansas
Arkansas buyers set any combination of ZIP codes they like, from a single county to the full state. The six largest metropolitan areas with Arkansas counties, by the Census Bureau's July 1, 2025 estimates, are listed below; two of them cross into Oklahoma or Texas.
- Little Rock-North Little Rock-Conway: 777,607 (July 1, 2025 estimate)
- Fayetteville-Springdale-Rogers: 622,177 (July 1, 2025 estimate)
- Fort Smith, AR-OK: 234,140 (July 1, 2025 estimate, whole metro area)
- Jonesboro: 139,440 (July 1, 2025 estimate)
- Hot Springs: 99,695 (July 1, 2025 estimate)
- Texarkana, TX-AR: 146,816 (July 1, 2025 estimate, whole metro area)
Source: Metropolitan and Micropolitan Statistical Area population estimates, Vintage 2025 (cbsa-est2025-alldata), U.S. Census Bureau.
Consent records for Arkansas car accident leads
Each Arkansas car accident lead arrives with the TCPATCPAThe Telephone Consumer Protection Act, the federal law that governs telemarketing calls and texts, autodialers, prerecorded voice messages and the Do Not Call Registry. Glossary consent record captured at opt-in. Arkansas's calling rules are summarized in its row of the state telemarketing laws table, and leads in Arkansas covers MVA and home improvement buying in the state together.
Arkansas car accident lead questions
What liability limits must an Arkansas driver carry?
The Arkansas Insurance Department brochure (Rev. 11/2025) lists $25,000 for one person, $50,000 for two or more persons and $25,000 for property damage.
Does Arkansas PIP cover a pedestrian hit by a car?
The Arkansas Insurance Department brochure says PIP covers any pedestrian or cyclist struck by the insured automobile, as well as household members and some passengers. This is general information, not legal advice.
When is an Arkansas SR-1 accident report due?
Within 30 days when one person's property damage exceeds $1,000 or anyone is injured or killed, regardless of fault, per the Arkansas DFA safety responsibility page (2026).
Can a buyer take Arkansas car accident leads only in Northwest Arkansas?
Yes. Filters go to the ZIP code, so a campaign can cover Fayetteville, Springdale and Rogers ZIP codes and nothing else. Leads are exclusive by default, with shared delivery on request.
Request Arkansas car accident leads
Email us the Arkansas ZIP codes you cover, your daily volume or caps and how you take delivery. ReturnReturnA buyer's request for credit on a lead that fails agreed standards, such as a disconnected number, a duplicate or a lead outside the filters. Glossary terms are agreed on the onboarding call, before you go live.
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- MVA and home improvement leads are exclusive by default: each lead is sold to one buyer.
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