A few things, it would matter if alcohol was involved in the accident or if there was willful or malicious injury, so fleshing this out a little more is required. If it were a suit for the deductible or the other insurance company filing due to recover then it would be subject to discharge in a Chapter 7 bankruptcy.
Robert W GambrellChapter 13 Bankruptcy AttorneyOxford, MS ·
Any action to collect a debt is a violation of the automatic stay while the case is an active case and a violation of the discharge order provided the debt was a dischargeable debt and you have received your discharge. If the only reason that Florida has a hold on the license is because of a judgment for an auto accident in which you were not insured, once you file the bankruptcy, you should be able to get the hold off your license lifted so you can get your Arkansas license. Each state has its own rules on what you have to file and the cost to reinstate, usually around $25.00 to $50.00
If the judgement is discharged by bankruptcy and you are a resident of Arkansas and you can prove that you have current insurance coverage when you renew your Driver's License, the State of Arkansas will issue the DL again.