Articles Posted in Insurance Coverage Review

Auto MedPay or Automobile Medical Payments Insurance Coverage covers medical expenses for you, your family, and your passengers when injured in an auto accident, regardless of who is at fault. MedPay also covers insured pedestrians if they are hurt by another vehicle while a pedestrian, even if they are nowhere near their insured vehicle. Auto…

UM and UIM Insurance or Uninsured Motorist and UnderInsured Motorist coverages protect policyholders, family members, and all vehicle occupants after an accident with someone who has no insurance or does not have enough insurance to cover damages. UM and UIM Insurance coverage is something Alaskans purchase to allows peace of mind in an accident. Statewide,…

Auto Liability Insurance, or third-party insurance, pays for damages and injuries to other people (third parties) if you’re at fault in an accident. It covers bodily injury and property damage. Auto Liability Insurance is also referred to as auto liability coverage, broken down into Bodily Injury Liability (BI) and Property Damage Liability (PD).  Auto Liability Insurance protects you when claims arise…

Winter Auto Insurance Review – A New Year is upon us and winter weather makes driving more dangerous. Review your winter auto insurance needs. It is essential to have enough insurance in case of a car accident. Winter Auto Insurance Review And Alaska Requirements: Alaska law requires liability auto insurance for drivers. Alaska law states that…

Sterling Highway – A Ninilchik woman died last week in a single-vehicle rollover on the Sterling Highway, according to the Alaska State Troopers. Cheryl Komakhuk, 67, was driving a Jeep southbound. She lost control on the icy roadway and rolled the vehicle into the ditch. Although troopers and first responders dispatched immediately, Ms. Komakhuk, the…

Homeowner policies protect not only your home, but also your assets in case of an accident. Johnson Law recommends Alaskans buy Homeowner Insurance protection. Buy as much as you can afford. If you wonder what homeowner policies cover and why you need homeowner insurance, you are not alone. What Is Homeowner Insurance? Primarily, Homeowner Insurance…

Umbrella Policies are a secondary layer of insurance and acts like an “umbrella” to protect the insured as as well as the injured parties. Though not common in discussions, these policies benefit an insured by adding another layer of protection to meet insurance needs. This coverage is in addition to other Alaskan insurance policies such…

Are You Covered Alaska? Do you have enough auto insurance to protect you in case of a car accident? The summer season is upon us. Summer driving presents a unique set of challenges compared to other seasons. Protect yourself and your loved ones. It’s time for an auto insurance review. Minimum Auto Insurance Requirements In Alaska…

Auto Insurance – Alaska requires auto insurance, protecting the public from uninsured drivers with both mandatory insurance laws and financial responsibility requirements. The laws provide the Division of Motor Vehicles (DMV) rights to remove drivers from the road for failure to maintain required coverage. Drivers responsible for car crashes must pay property damage and injury…

Resident Relative Claims – what does that term mean? Claims asserted by the spouses and other relatives who share a residence with an insured person are Resident Relative claims. A Resident Relative receives special status in an insurance policies’ language. In some cases, a Resident Relative is automatically insured. Claim Example A family called me…