Justia Lawyer Rating
Badge - The National Trial Lawyers, TOP 100 Trial Lawyers
Badge - American Institute of Personal Injury Attorneys, 10 Best 2014 Client Satisfaction Award
Badge - Alaska Bar Association
Badge - Expertise, Best Car Accident Attorneys in Anchorage 2017
Badge - Expertise, Best Personal Injury Lawyer in Anchorage 2021

Accidents With Uninsured Motorists

Circle logo Alaska is considered a "fault" state, which means that every registered driver is required to have insurance coverage that can pay for costs following an accident that they caused. Unfortunately, despite the law, there is a significant percentage of Alaska drivers who are uninsured. In fact, the Insurance Research Council estimates that an average of 1 out of every 7 U.S. drivers has no insurance. What happens, then, when an uninsured motorist in Alaska causes an accident that hurts you? What can you do to pursue compensation?

First, it is important to understand Alaska's minimum requirements for driver liability coverage. According to state law, every driver's policy needs to fulfill the following amounts:

  • Property damage coverage up to $25,000
  • Bodily injury or dead up to $50,000 for each person
  • Bodily injury totaling $100,000 when multiple people are hurt

As you can see, these are significant amounts that would go a long way in satisfying medical bills, lost wages, and other financial issues that can stem from a car accident. When a driver does not have this coverage, they have failed to fulfill a significant responsibility as an Alaska driver.

If you have been hurt by one of these uninsured drivers, then you do have the option to file a claim with your own insurance company to cover damages. This, however, is only possible if you have opted for uninsured motorist (UM) insurance or underinsured motorist (UIM). Not every driver has this kind of coverage and even if they do, the proceeds awarded may not address all the costs associated with your injury.

Taking Legal Action Against the Motorist at Fault

The final course of action for a motorist who has been hurt but cannot recover appropriate funds from an insurance policy is by taking civil action. Filing a personal injury suit against the driver at fault ensures that you can structure a suit that addresses all of your financial needs stemming from your injury. At Johnson & Associates, PC, we can also help you assert to an insurance company that the proceeds that have awarded are insufficient.

Even if a negligent driver is uninsured in Alaska, injured parties still have legal options. If you have been hurt, then we encourage you to contact our firm today. An experienced Anchorage personal injury attorney on our team can help you review your case, evaluate your insurance coverage, and determine the next, best steps towards getting the restitution you deserve.

Call us today to schedule a free case evaluation.
Client Reviews
Johnson & Associates is a tight-knit group of hard working people that I cannot praise enough! The dedication and persistence I have seen from this team is incredible. They not only provide excellent law representation, but the support system built by the team is one of a kind. They care about each individual and are by far the best I have seen in personal injury. A million stars!!! Rivers Ducharme
Mr. Johnson and his staff were remarkable to work with! They were both professional and yet very down to earth. They made me feel a part of their family and would often check in on me! In fact, Jennifer even went out of her way, sending cards to me well after my case had been resolved! I would highly recommend them! Jennifer Koontz