Why Rear-End Crashes Are Usually Clear-Cut

Arkansas drivers are required to maintain a safe following distance. If someone hits you from behind, it’s usually because they were:

• Speeding

• Distracted (often texting)

• Driving too close

• Not prepared for stopped traffic

That makes liability straightforward, and insurance companies know it. But they’ll still fight over the value of your injuries.

How Much Is a Rear-End Settlement Worth?

Settlement amounts vary based on the following:

If you were sitting still—at a red light, in traffic, or waiting to turn—and got rear-ended, you likely have a strong personal injury case. Arkansas law generally places fault on the rear driver, meaning their insurance should pay for your damages.

But that doesn’t mean they’ll make it easy.

At Ludwig Law Firm, we help injured clients in Pulaski County and beyond recover full compensation for rear-end crashes. If the insurance company lowballs your claim, we’re ready to take it to court.

As always - if you have a legal question you want answered in a future blog, submit it via the form on this page. Now, let's dive in!

On average, Arkansas rear-end crash settlements for mild to moderate injuries range from $10,000 to $50,000. More serious cases—such as spinal injuries or long-term back pain—can reach $100,000 or more.

What If You Were Rear-Ended at a Red Light or Stop Sign?

You are not at fault. Even if you braked suddenly or had a tail light out, Arkansas law still places the burden on the rear driver to stay alert and avoid hitting stopped traffic.

Still, their insurance may try to:

• Claim you stopped “too fast”

• Downplay your injuries

• Offer a quick, low settlement

Don’t take that first offer without legal review. Once you accept, you waive your right to more money—even if your injuries get worse.

Should You Go Through Your Own Insurance?

It depends. If the other driver is uninsured or underinsured, your UM/UIM coverage may apply. In many cases, your own insurer can help pay medical bills or car repairs up front—and then recover from the other party.

We handle all coordination between policies to maximize your net payout.

Why Local Legal Help Matters

Insurance companies handle claims differently across counties. In Pulaski, Saline, Faulkner, and Jefferson, we know:

• Which judges favor settlement

• Which insurers fight harder

• How to value local medical providers’ billing rates

At Ludwig Law Firm, we prepare every injury case as if it’s going to trial—because that’s what gets real results.

And when a case calls for deeper investigation or courtroom pressure, we often team up with strategic partners like Warden Law Firm. When a client needs both finesse and firepower, a Ludwig and Warden partnership is the best option.

Don’t Settle for Less Than You Deserve

Call 501-838-4043 or visit ludwiglawfirm.com. Let us handle the insurance battle while you focus on recovery.

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Disclaimer: The information provided in this blog is for general informational purposes only and is not intended as legal advice. Reading this blog or interacting with Ludwig Law Firm through this content does not create an attorney-client relationship. Every legal case is different, and you should not act or rely on any information in this blog without first consulting with a licensed attorney about your specific situation. For legal guidance tailored to your needs, please contact Ludwig Law Firm directly.