Arkansas Total Loss & Diminished Value Guide | Auto Claim Consultants
ARState Resource Guide

Arkansas Diminished Value &
Total Loss Claims

Everything you need to know about filing a diminished value or total loss claim in Arkansas. Understand your rights, the process, and how we can help you recover what you're owed.

Arkansas at a Glance

Statute of Limitations
3 years from date of accident
DV Claim Type
Third-party (at-fault's insurance)
Legal Basis
Common law tort / negligence
Total Loss Threshold
70% of ACV
Right to Appraisal
Yes — policy appraisal clause
Small Claims Limit
$5,000

Arkansas Auto Claims Law

Arkansas permits diminished value claims against the at-fault party's insurance. With a relatively low 70% total loss threshold, vehicles are declared total losses sooner in Arkansas, making the Right to Appraisal particularly valuable for disputing undervalued settlements.

Important Deadline

You have 3 years from the date of your accident to file a claim in Arkansas. Don't wait — the sooner you act, the stronger your case.

How It Works in Arkansas

Four Steps to Fair Compensation

1

Gather Your Documents

Collect your insurance settlement offer, repair estimates, vehicle photos, and accident report. We'll need these to build your case.

2

Contact Us for a Free Review

Call, text, or fill out our form. We'll review your situation within 24 hours and let you know if you have a viable claim.

3

We Build Your Case

Our licensed appraiser creates a certified report using Arkansas-specific comparable sales data and market analysis.

4

We Handle the Dispute

We submit the appraisal report to your insurance company and negotiate on your behalf until you receive fair compensation.

Proven Results

Recent Arkansas Recoveries

Total LossLittle Rock, AR

2019 Ford F-150 XLT

vs. Farmers

Additional Recovery+$4,100
Diminished ValueFort Smith, AR

2020 Chevrolet Silverado LT

vs. Erie

Additional Recovery+$3,900
Total LossFayetteville, AR

2022 Ford Explorer XLT

vs. GEICO

Additional Recovery+$4,600
Total LossSpringdale, AR

2022 Mazda CX-5 Turbo

vs. Allstate

Additional Recovery+$5,700
Arkansas FAQ

Frequently Asked Questions

Arkansas Vehicle Owner?
Let's Get You What You're Owed.

We know Arkansas insurance law and have helped dozens of Arkansas residents recover fair compensation. Start with a free claim review today.