Alaska Uninsured Drivers

Alaska Uninsured Drivers – Alaska is an “at-fault” state. Consequently, every registered driver must have insurance coverage to pay for costs – in case they cause an accident. This system requires proving fault to determine who is responsible for the costs of the collision. This is very different from a no-fault state, where drivers use their own insurance for medical expenses regardless of who caused the accident. 

Alaska Auto Insurance Requirements

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 for multiple injured persons

These insurance minimums help offset medical bills and lost wages. However, additional financial issues also arise from car accidents. When an Alaska Uninsured Driver does not have this coverage, they have failed to fulfill a significant responsibility.

Unfortunately, despite the law, there is a significant percentage of Alaska drivers who are uninsured. In fact, the Insurance Research Council estimates that in 2023, more than one in seven U.S. drivers has no insurance. Moreover, more than one in six drivers (18.0 percent) were underinsured, according to the 2023 report. What happens, then, when an in Alaska uninsured driver causes an accident that hurts you?

What If I’m Hurt By An Alaska Uninsured Driver?

If you are hurt by an Alaska uninsured driver, you have the option is to file a claim with your own insurance company. However, this option is only available to Alaskans who purchase uninsured motorist (UM) insurance or underinsured motorist (UIM). Not every driver has this kind of coverage. Even if you do, the proceeds awarded may not address all the costs associated with your injury.

Legal Action Against An At-Fault Motorist

The final course of action for a motorist injured by an Alaska uninsured driver unable to recover from an insurance policy is a civil action. Filing a personal injury lawsuit against the at-fault driver may help address the financial strains stemming from your injury.

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. Johnson Law’s experienced Alaska personal injury attorney will review your case and evaluate your insurance coverage. Then help you determine the best steps towards maximizing your financial recovery from an at-fault driver.

Johnson Law has been serving injury victims after a car accidents for nearly 30 years. It’s who we are. Call Johnson Law at  (907)277-3090 or use our Contact Form to discuss your serious injury case. We are here to serve you.

And while we hope you never need us… We’re here if you do. ~ Doug Johnson

Call Johnson Law today to schedule a free case evaluation

Photo Source: Anchorage Daily News