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Arkansas Personal Injury Laws

Arkansas has a 3-year statute of limitations for most personal injury claims. The state follows a modified comparative fault system with a strict 50% bar — if you are 50% or more at fault, you recover nothing. Arkansas has no caps on compensatory, non-economic, or punitive damages. The state constitution (Art. 5, § 32) prohibits caps on damages for injuries, and the Arkansas Supreme Court struck down the statutory punitive damages cap as unconstitutional in Bayer CropScience LP v. Schafer, 2011 Ark. 518 (2011). Arkansas is a fault-based auto insurance state with 25/50/25 minimums. In 2025, Act 28 (HB 1204) significantly curtailed the collateral source rule, limiting medical expense recovery to amounts actually paid or owed.

Last verified: 2026-02-25

Statute of Limitations

3 yearsArk. Code Ann. § 16-56-105

Most personal injury actions must be filed within 3 years from the date of injury. This covers bodily injury, property damage, and most tort claims.

Exceptions

Wrongful Death3 years from date of deathArk. Code Ann. § 16-62-102

Wrongful death actions must be filed within 3 years of the date of death, not the date of injury.

Discovery Rule3 years from discoveryArk. Code Ann. § 16-56-105 (judicial interpretation)

When an injury was not and could not reasonably have been discovered at the time it occurred, the 3-year period begins from the date the injury was or should have been discovered. Applied particularly in product liability cases.

MinorsTolled until age 18, then 3 yearsArk. Code Ann. § 16-56-116

The statute of limitations is tolled for minors until they reach age 18, at which point they have 3 years to file.

Defendant Absent from StateTolled during absenceArk. Code Ann. § 16-56-120

If the defendant leaves the county, hides, or takes actions to avoid being sued, the statute of limitations is tolled during that period.

Fault & Liability Rules

Modified Comparative Fault (50% Bar)Ark. Code Ann. § 16-64-122

If your fault is less than the fault of the party from whom you seek damages, your recovery is reduced by your percentage of fault. If your fault is equal to or greater than the other party's fault, you are completely barred from recovery. Each defendant's liability is several only, not joint.

Damage Caps

Compensatory / Non-Economic Damages: No cap (constitutional prohibition)Ark. Const. art. 5, § 32

The Arkansas Constitution prohibits caps on compensatory damages, including non-economic damages. The legislature cannot limit the amount a jury may award for actual injuries.

Punitive Damages: No enforceable capBayer CropScience LP v. Schafer, 2011 Ark. 518 (2011)

The statutory punitive damages cap in Ark. Code Ann. § 16-55-208 was struck down as unconstitutional by the Arkansas Supreme Court in 2011. The court held that punitive damages are part of "the amount recovered for injuries" protected by Art. 5, § 32. Only the constitutional due process "grossly excessive" standard limits punitive awards.

Auto Insurance System

Fault (Tort)Ark. Code Ann. § 27-22-104

Arkansas is a fault-based auto insurance state. Minimum liability coverage is 25/50/25 ($25,000 per person, $50,000 per accident for bodily injury, $25,000 for property damage). Uninsured/underinsured motorist coverage and PIP are required unless waived in writing.

Key Arkansas Statutes

Several Liability Only (No Joint Liability)Ark. Code Ann. § 16-55-201

The Civil Justice Reform Act of 2003 abolished joint liability. Each defendant is severally liable only for their proportionate share of compensatory and punitive damages.

Collateral Source Rule (Modified by Act 28, 2025)Ark. Code Ann. § 16-64-120 (as amended by HB 1204 / Act 28)

Effective August 4, 2025, recovery for past medical expenses is limited to amounts actually paid by or on behalf of the plaintiff, or amounts still unpaid for which the plaintiff or a third party is legally responsible. This eliminates recovery based on original billed charges.

Official Sources

Not Legal Advice

This information is for general reference only and does not constitute legal advice. Laws change — verify current statutes at Arkansas Code — LexisNexis Public Access. For advice about your specific situation, consult a licensed attorney.

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