Arkansas isn't about to give you anything for free, no matter how old you are but if you go to Walmart with $10, in Mo. or Ar., they will sell you a White River Border Lakes Permit that allows you to fish both sides of the border on White River Border Lakes only
https://mdc.mo.gov/conmag/2001/01/white-river-border-lakes-permit
This is just my opinion, if it was a insurance job, contact the insurance company with pictures and let them handle it, if not, you most likely need a lawyer