Ark. Code Ann. § 23-89-215: Priority of primary motor vehicle liability insurance coverage

The liability insurance policy covering a motor vehicle is primary when the motor vehicle is driven by: (1) An insured; or (2) Any other person: (A) Not excluded from coverage under the policy; (B) With the permission of an insured; and (C) When the use of the motor vehicle is within the scope of the permission granted by an insured. Acts 2007, No. 373, § 1.

The liability insurance policy covering a motor vehicle is primary when the motor vehicle is driven by:

(1) An insured; or

(2) Any other person: (A) Not excluded from coverage under the policy; (B) With the permission of an insured; and (C) When the use of the motor vehicle is within the scope of the permission granted by an insured.

(A) Not excluded from coverage under the policy;

(B) With the permission of an insured; and

(C) When the use of the motor vehicle is within the scope of the permission granted by an insured.