Ark. Code Ann. » Title 27 Chapter 19
Arkansas Code Annotated

Ark. Code Ann. § 27-19-604 (2026)

Exceptions to security requirement

✓ current as of May 2026
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The requirements as to security and suspension in this subchapter shall not apply to:

  1. The driver or owner if the owner had in effect at the time of the accident an automobile liability policy or bond with respect to the vehicle and the driver's operation of the vehicle involved in the accident providing the minimum coverage required under § 27-22-104, except that a driver shall not be exempt under this subdivision (1) if at the time of the accident, the vehicle was being operated without the owner's permission, express or implied;
  2. The driver, if not the owner of the vehicle involved in the accident, if there was in effect at the time of the accident an automobile liability policy or bond with respect to his or her driving of vehicles not owned by him or her;
  3. A driver or owner whose liability for damages resulting from the accident is, in the judgment of the Office of Driver Services, covered by any other form of liability insurance policy or bond;
  4. Any person qualifying as a self-insurer under § 27-19-107 or any person operating a vehicle for the self-insurer;
  5. The driver or the owner of a vehicle involved in an accident wherein no injury or damage was caused to the person or property of anyone other than the driver or owner;
  6. The driver or owner of a vehicle which at the time of the accident was parked, unless the vehicle was parked at a place where parking was at the time of the accident prohibited under any applicable law or ordinance;
  7. The owner of a vehicle if at the time of the accident the vehicle was being operated without his or her permission, express or implied, or was parked by a person who had been operating the vehicle without permission;
  8. The owner of a vehicle involved in an accident if at the time of the accident the vehicle was owned by or leased to the United States, this state, or any political subdivision of this state, or a municipality thereof, or the driver of the vehicle if operating the vehicle with permission; or
  9. The driver or the owner of a vehicle in the event at the time of the accident the vehicle was being operated by or under the direction of a police officer who, in the performance of his or her duties, shall have assumed custody of the vehicle.

History. Acts 1953, No. 347, § 26; A.S.A. 1947, § 75-1426; Acts 2007, No. 485, §§ 7, 9.

Case Notes

Public Vehicles.

The exclusion of subdivision (8) of this section does not render valid a similar exclusion in the uninsured motorist clause of an automobile insurance policy. Vaught v. State Farm Fire & Casualty Co., 413 F.2d 539 (8th Cir. 1969).

Cited: Looney v. Allstate Ins. Co., 392 F.2d 401 (8th Cir. 1968).

Notes of Decisions
Cited in 3 cases, 1996–2018 · leading case: Salley v. Cent. Arkansas Transit Auth., 934 S.W.2d 510 (Ark. 1996).
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Salley v. Cent. Arkansas Transit Auth., 934 S.W.2d 510 (Ark. 1996). “See § 27-19-604 for other exceptions established under the Act.”
Throesch v. United States Fid. & Guar. Co., 100 F. Supp. 2d 934 (E.D. Ark. 2000). · cites it 2× “See Ark.Code Ann. § 27-19-604 (Michie repl.1994).”
Cross v. State Farm Mut. Auto. Ins. Co., 541 S.W.3d 495 (2018). “…insurance before UM coverage was available to her. See Ark. Code Ann. §§ 27-19-101 et seq. (Repl. 2014). See Ark. Code Ann. § 27-19-604 (8).”
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