Arkansas Claims Compliance

Key regulatory requirements, correspondence deadlines, and mandated forms for Arkansas (AR).

Quick Reference

Key Deadlines

Acknowledgment
15 business/working days
Accept/Deny
15 business/working days
Investigation
45 calendar days
Payment
10 business/working days
Status Updates
45 calendar days

Requirements

  • Mandated Forms
  • Catastrophe Rules
  • Separate P&C / Life & Health
  • Fraud Warning
  • Depreciation Notice
  • E-Delivery (conditional)

Regulatory Authority

Arkansas Insurance Department (AID)

Phone: (800) 852-5494 or (501) 371-2640; Email: [email protected]; Website: https://insurance.arkansas.gov/pages/consumer-services/consumer-services/file-a-complaint/

Bad Faith: Ark. Code Ann. § 23-79-208; common law tort of bad faith

Key Statutes

  • Ark. Code Ann. §§ 23-66-201 to 23-66-216 (Trade Practices Act)
  • 054.00.15 Ark. Code R. 005 (Rule 43)
Last reviewed: April 1, 2026

Arkansas handles claims correspondence according to specific state regulations. Requirements vary depending on the line of business and specific claim circumstances.

Acknowledgment

Every claim must be acknowledged within 15 working days of receipt. The acknowledgment should identify the insurance policy and coverage at issue.

Denial

A written denial must be issued within 15 working days. The denial must reference the specific policy provisions, conditions, or exclusions relied upon.

Statutory Language

Specific fraud warning required (Ark. Code Ann. § 23-66-206).

Applicable Letter Templates

No letter templates currently found for this jurisdiction.