When a Car Is a Total Loss in Arkansas

A "salvage vehicle" in Arkansas is a vehicle that is water-damaged (water over the doorsill, into the passenger compartment and damaging the powertrain, main computer or electrical systems) or that sustains any other damage equal to or exceeding 70% of its average retail value, as determined under Office of Motor Vehicle rules. A seller (dealer or private owner) of a vehicle with a branded title must disclose the brand and the damage on file before the sale using a buyer's notification form signed by the buyer; if the seller fails to get the signature, the buyer may void the sale within 60 days.

File a complaint with the Arkansas Insurance Department's Consumer Services Division using its online complaint form (https://sbs.naic.org/solar-web/pages/public/onlineComplaintForm/onlineComplaintForm.jsf?state=AR), or print the Consumer Complaint Form and send it by email to insurance.consumers@arkansas.gov, by fax to (501) 371-2749, or by mail to Arkansas Insurance Department, Consumer Services Division, 1 Commerce Way, Suite 102, Little Rock, AR 72202-2087. Include your contact information, the company, the insured's name, policy and claim numbers, any agent or adjuster, the date of occurrence and a brief description. Consumer Services phone: (501) 371-2640 or 1-800-852-5494. Complaints are subject to disclosure as public records.