(a) Except as provided in subsection (c) of this section, when a person is innocent of any negligent or intentional act that was the proximate cause of an accident or injury whether or not a claim is filed under any policy or contract of insurance, no insurer authorized to transact the business of motor vehicle liability insurance in this state shall solely as a result of the accident or injury:
(1) Cancel the person's insurance policy or contract;
(2) Increase the premium during the term or upon renewal of the person's insurance policy or contract; or
(3) Lower or otherwise negatively impact the risk rating of the person.
(b) Any insurer that violates the provisions of this section shall be subject to the procedure and penalties provided under the Trade Practices Act, § 23-66-201 et seq.
(c) Nothing in this section shall prevent an insurer from canceling, not renewing, or revising the rating of an insurance policy if the insurer is otherwise permitted to do so by statute or rule.
Structure Arkansas Code
Title 23 - Public Utilities and Regulated Industries
Chapter 79 - Insurance Policies Generally
Subchapter 1 - General Provisions
§ 23-79-103. Insurable interest — Personal insurance
§ 23-79-104. Insurable interest — Property
§ 23-79-105. Application required — Life and accident and health insurance
§ 23-79-106. Application — Use as evidence — Alteration
§ 23-79-107. Application — Statements as representations
§ 23-79-108. Return of premium to rejected applicant
§ 23-79-109. Filing and approval of forms — Definitions
§ 23-79-110. Forms and premium rates — Grounds for disapproval — Definitions
§ 23-79-111. Standard provisions
§ 23-79-113. Charter or bylaw provisions excluded — Exception
§ 23-79-117. Underwriters' and combination policies
§ 23-79-118. Noncomplying forms
§ 23-79-119. Construction of policies
§ 23-79-121. Delivery of policy
§ 23-79-122. Negotiability of premium notes
§ 23-79-123. Renewal by certificate
§ 23-79-125. Payment by insurer — Discharge
§ 23-79-126. Forms for proof of loss
§ 23-79-127. Claims administration by insurer not waiver
§ 23-79-128. Right to insure spouse's life
§ 23-79-129. Coverage of newborn infants
§ 23-79-130. Impairment of speech or hearing
§ 23-79-131. Exemption of proceeds — Life insurance
§ 23-79-132. Exemption of proceeds — Group life
§ 23-79-133. Exemption of proceeds — Accident and health insurance
§ 23-79-134. Exemption of proceeds — Annuity contracts — Assignability of rights
§ 23-79-135. Prompt payment of certain claims required
§ 23-79-136. Agreement for insurer to invest premium prohibited
§ 23-79-137. Coverage for adopted minors
§ 23-79-138. Information to accompany policies
§ 23-79-139. Benefits for alcohol or drug dependency treatment — Definition
§ 23-79-140. Mammograms — Breast ultrasounds — Definitions
§ 23-79-141. Children's Preventive Health Care Act
§ 23-79-142. Payment for services of psychological examiners
§ 23-79-144. Minor children — Certain provisions denying or restricting coverage void
§ 23-79-146. Subrogation recovery
§ 23-79-147. Prescription medication — Definitions
§ 23-79-148. Medical transportation services
§ 23-79-149. Prescription drug benefits
§ 23-79-150. Healthcare plan — Health carrier — Definitions
§ 23-79-151. Liability insurance — Notice requirements prior to expiration of policy
§ 23-79-153. Health insurance — Closing a block of business
§ 23-79-154. Reimbursement for physician assistant services
§ 23-79-155. Commercial general liability insurance
§ 23-79-156. Health insurance exchange — Coverage of abortions prohibited — Definitions — Findings
§ 23-79-158. Denials of dental claims
§ 23-79-159. Notification of drug formulary changes
§ 23-79-160. Health insurance information regarding Health Care Independence Program
§ 23-79-161. Payment for oral anticancer medications — Definitions