Alaska Summer Auto Insurance coverage review – Summer is one of the busiest driving seasons in Alaska. Additionally, increased tourism, road construction, recreational travel, motorcycles, RVs, and wildlife activity create unique risks for drivers. Before heading out on Alaska’s highways, every driver should complete an insurance coverage review to ensure they have adequate liability insurance, uninsured/underinsured motorist (UM/UIM) coverage, and Medical Payments (MedPay) coverage.

Why Alaska Drivers Should Conduct An Alaska Summer Auto Insurance Review

Many Alaskans think of winter as the most dangerous driving season. While snow and ice certainly create hazards, summer presents its own risks.

For instance, as temperatures rise and daylight hours increase, Alaska roads become crowded with:

• Tourists unfamiliar with local roads
• Recreational vehicles (RVs)
• Motorcycles
• Commercial tour buses
• Construction equipment
• Bicyclists and pedestrians
• Wildlife crossing highways

Summer is also peak vacation season. Therefore, families travel long distances to fishing destinations, national parks, campgrounds, and remote communities throughout Alaska.

Before beginning your summer adventures, take time to review your auto insurance coverage. The right policy can protect your family from significant financial losses if an accident occurs.

What Are Alaska’s Minimum Auto Insurance Requirements?

Alaska law requires drivers to carry liability insurance.

In summary, the minimum required coverage includes:

• $50,000 bodily injury liability coverage per person
• $100,000 bodily injury liability coverage per accident
• $25,000 property damage liability coverage per accident

Drivers must also be able to provide proof of insurance when requested.

Furthermore, failure to maintain insurance coverage can result in penalties that may include license suspension and other consequences.

However, minimum coverage does not necessarily mean adequate protection.

Why Minimum Insurance Often Isn’t Enough

Many serious automobile accidents involve damages that far exceed Alaska’s minimum insurance requirements.

In fact, a single collision can result in:

• Emergency medical treatment
• Hospitalization
• Surgery
• Rehabilitation
• Lost wages
• Future medical expenses
• Permanent disability
• Reduced earning capacity

Vehicle repair and replacement costs have also increased dramatically in recent years.

In a serious accident, minimum liability limits can be exhausted quickly, leaving injured victims without enough compensation to cover their losses.

An insurance coverage review can help determine whether your current limits truly protect your financial future.

Summer Driving Risks Unique to Alaska

Increased Tourist Traffic

Every summer, visitors from around the world travel Alaska’s highways.

As a result, many tourists are unfamiliar with:

• Mountain driving
• Gravel roads
• Wildlife crossings
• Rapidly changing weather conditions
• Long rural stretches between services

These factors can increase the likelihood of accidents.

Road Construction Zones

Summer is road construction season across Alaska.

Drivers frequently encounter:

• Reduced speed zones
• Lane shifts
• Uneven pavement
• Construction equipment
• Flaggers directing traffic

Construction zone accidents often cause serious injuries and may involve multiple potentially responsible parties.

Motorcycle Accidents

Warm weather brings more motorcycles onto Alaska roads.

Motorcyclists have little physical protection during a crash, making injuries more severe and increasing the need for adequate insurance coverage.

Wildlife Collisions

Moose, caribou, bears, and other wildlife remain active throughout the summer months.

A collision with a large animal can cause catastrophic vehicle damage and serious injuries.

What Is Uninsured and Underinsured Motorist Coverage (UM/UIM)?

Uninsured and Underinsured Motorist coverage protects you when the at-fault driver has no insurance or insufficient insurance to cover your damages.

To illustrate, UM/UIM coverage may help pay for:

• Medical expenses
• Lost income
• Future treatment costs
• Pain and suffering
• Permanent injury damages

Unfortunately, many drivers carry only minimum coverage, while others drive without insurance entirely.

If you suffer severe injuries and the at-fault driver lacks sufficient insurance, your UM/UIM coverage can become one of your most valuable protections.

How Much UM/UIM Coverage Should Alaska Families Carry?

Insurance professionals and injury attorneys often recommend purchasing UM/UIM limits that match or exceed your liability coverage.

For instance, common coverage options include:

• 50/100
• 100/300
• 250/500
• Higher umbrella policy limits

Many families find that increasing UM/UIM coverage provides substantial protection for a relatively modest increase in premium costs.

When reviewing your policy, consider how much financial protection your family would need after a life-changing injury.

What Is Medical Payments Coverage (MedPay)?

Medical Payments Coverage, commonly known as MedPay, helps pay accident-related medical expenses regardless of who caused the collision.

Benefits may include payment for:

• Ambulance transportation
• Emergency room treatment
• Diagnostic testing
• Hospital stays
• Follow-up medical care

MedPay typically covers both the driver and passengers in the insured vehicle.

Unlike many other forms of coverage, MedPay benefits are often available immediately after an accident, helping families avoid medical debt while insurance claims are being resolved.

Why MedPay Is Especially Valuable During Summer Travel

Many Alaska families spend considerable time on the road during the summer months.

Whether traveling to:

• Denali
• Kenai Peninsula
• Valdez
• Homer
• Seward
• Fairbanks
• Remote fishing destinations

the risk of being involved in a serious accident increases simply because more miles are being driven, making an Alaska summer auto insurance coverage review even more critical

Strong MedPay coverage can provide immediate assistance with medical bills following an unexpected collision far from home.

Alaska Summer Auto Insurance Coverage Checklist

Before your next road trip, review your policy and confirm:

• Liability limits are adequate
• UM/UIM coverage protects your family
• MedPay limits are sufficient
• All drivers in your household are listed properly
• Vehicles are correctly insured
• Emergency roadside coverage is available if needed
• Policy information is current and accessible

A simple annual review can uncover gaps in coverage before an accident occurs.

What Should You Do After a Serious Summer Car Accident in Alaska?

If you are injured in an automobile accident:

1. Seek immediate medical care.
2. Contact law enforcement.
3. Gather photographs and evidence if possible.
4. Obtain witness information.
5. Notify your insurance company.
6. Consult an experienced Alaska personal injury attorney.

Speaking to a skilled law firm will help. Notably, an experienced Alaska personal injury attorney can investigate the crash, identify all available insurance policies, preserve critical evidence, and pursue compensation from negligent parties.

In some cases, multiple insurance policies may apply, including liability insurance, UM/UIM coverage, MedPay benefits, commercial policies, and umbrella coverage.

Protect Your Family With An Alaska Summer Auto Insurance Coverage Review

Summer is one of the most enjoyable times of year in Alaska, but it is also one of the busiest and most dangerous driving seasons. Protect yourself and your loved ones with an Alaska summer auto insurance coverage review.

Before setting out on your next adventure, take time to review your insurance coverage. In short, the few minutes you spend evaluating your policy today could protect your family from significant financial hardship tomorrow.

Adequate liability insurance, strong UM/UIM coverage, and sufficient MedPay benefits can provide critical protection when a serious accident occurs.

If you are injured in an Alaska motor vehicle accident, an experienced personal injury attorney can help identify all available insurance coverage and fight for the compensation you deserve.

Johnson Law, P.C. has been helping injured Alaskans and those injured while visiting Alaska for 30 years. It’s who we are. And while we hope you never need us… We’re here if you do. ~ Doug Johnson

Please call Johnson Law to discuss your case: (907)277-3090 or use our online contact form.

Sources: Alaska Division of Motor Vehicles, Alaska Statutes

Image generated using ChatGPT – Prompt: Alaskans enjoying a summer road trip

Alaska Insurance Requirements – If you drive in Alaska, understanding Alaska insurance requirements is essential. State law requires every driver to carry minimum liability insurance coverage and provide proof of insurance when involved in certain motor vehicle accidents. Consequently, failing to comply can result in license suspension, financial penalties, and significant legal consequences.

Whether you are involved in a minor collision or a serious crash, knowing your responsibilities can help protect your driving privileges and preserve your legal rights.

What Insurance Is Required in Alaska?

Alaska law requires all drivers to maintain liability insurance coverage. The minimum required coverage limits are:

• $50,000 for bodily injury or death to one person
• $100,000 for bodily injury or death per accident
• $25,000 for property damage per accident

This coverage is commonly referred to as 50/100/25 liability insurance coverage.

Liability insurance helps pay for injuries and property damage you cause to others in an accident. While Alaska insurance requirements are set at 50/100/25 liability insurance coverage – this may not be enough. However, minimum coverage limits may not fully protect your personal assets after a serious collision. Drivers should periodically review their policies with a licensed insurance professional to ensure they have adequate protection.

Why Alaska Insurance Requirements Matter

Maintaining proper insurance coverage is more than a legal obligation – it helps protect everyone on Alaska’s roads.

Without liability insurance coverage, drivers may face:

• Driver’s license suspension
• Increased insurance premiums
• Personal financial liability for accident damages
• Difficulty registering or operating a vehicle
• Potential legal action from injured parties

Even a single accident can create significant financial exposure if your coverage is inadequate.

What Are Alaska’s Insurance Requirements After a Crash?

Following a serious motor vehicle accident, Alaska law requires drivers to provide proof of insurance to the Alaska Division of Motor Vehicles (DMV).

A crash is generally considered serious if it involves:

• Bodily injury to any person
• A fatality
• Property damage exceeding $501

Importantly, all drivers involved in the crash must provide proof of liability insurance coverage, regardless of who caused the collision.

Even if another driver was entirely at fault, you must still comply with Alaska’s reporting requirements.

When Must Proof of Insurance Be Submitted?

Drivers involved in a qualifying accident must submit proof of insurance to the DMV within 15 days of the collision.

This requirement is separate from:

• Reporting the accident to law enforcement
• Filing an insurance claim
• Providing information to your insurance company

In many cases, the investigating police officer will provide a Certificate of Insurance form at the accident scene. These forms are also available through Alaska DMV offices and state resources.

Failing to submit proof of insurance that meet Alaska insurance requirements within the required timeframe may lead to severe penalties as a result.

What Should You Do After a Car Accident in Alaska?

After ensuring everyone is safe and emergency services have been contacted if necessary, take the following steps:

1. Gather Evidence

Collect as much information as possible, including:

• Photos of vehicle damage
• Photos of the accident scene
• Road and weather conditions
• Contact information for witnesses
• Driver and insurance information from all parties involved

2. Seek Medical Attention

Even if injuries seem minor, seek medical evaluation promptly. Some injuries, including concussions, traumatic brain injuries, and soft tissue injuries, may not immediately appear.

Prompt medical treatment also creates documentation that may be important for future insurance or legal claims.

3. Notify Your Insurance Company

Most insurance policies require prompt notification following an accident.

When filing your claim, provide:

• Photographs
• Medical records and bills
• Towing receipts
• Repair estimates
• Police reports
• Witness statements

Providing complete documentation can help expedite the claims process.

4. Be Careful With Recorded Statements

If you are experiencing pain, confusion, memory problems, or difficulty concentrating after a collision, avoid giving recorded statements until you have received appropriate medical care and understand the extent of your injuries.

Serious injuries can affect memory, judgment, and communication. Protecting your health should be the priority.

What Happens If You Do Not Meet Alaska Insurance Requirements?

Alaska imposes strict penalties on drivers who fail to maintain required insurance coverage or fail to provide proof of coverage after a qualifying accident.

Potential penalties include:

First Offense

• Driver’s license suspension for 90 days

Second Offense

• Driver’s license suspension for one year

These penalties may apply if:

• You do not carry the required insurance coverage.
• You cannot prove you had insurance at the time of the crash.
• You fail to submit proof of insurance to the DMV within 15 days.

The consequences can affect your ability to work, travel, and maintain affordable insurance rates in the future.

What If the Other Driver Was Uninsured?

Unfortunately, not every driver follows Alaska insurance laws.

If you are injured by an uninsured or underinsured driver, you may still have options to recover compensation for:

• Medical expenses
• Lost income
• Pain and suffering
• Property damage
• Future medical treatment

Depending on the circumstances, compensation may be available through your own insurance coverage or through legal action against the responsible party.

An experienced Alaska personal injury attorney can help evaluate your options and identify all available sources of recovery.

Frequently Asked Questions About Alaska Insurance Requirements

What is the minimum car insurance required in Alaska?

Alaska requires drivers to carry liability insurance with minimum limits of $50,000 per person, $100,000 per accident for bodily injury or death, and $25,000 for property damage.

Do I have to provide proof of insurance after an accident in Alaska?

Yes. If the accident involves injury, death, or property damage exceeding $501, all drivers involved must provide proof of insurance to the Alaska DMV within 15 days.

What happens if I do not have insurance in Alaska?

You may face driver’s license suspension, increased insurance costs, personal liability for damages, and other legal consequences.

Do I need to provide proof of insurance if the accident was not my fault?

Yes. Alaska law requires all drivers involved in a qualifying accident to provide proof of insurance, regardless of fault.

Should I contact an attorney after a car accident?

If you suffered injuries, significant property damage, or are dealing with an uninsured driver, speaking with an attorney can help you understand your rights and protect your interests.

Protect Your Rights After an Alaska Car Accident

Meeting Alaska insurance requirements is critical both before and after a motor vehicle collision. Carrying proper insurance coverage protects you financially, while complying with reporting requirements helps preserve your driving privileges.

If you were injured in a crash caused by another driver’s negligence, you may have the right to seek compensation for your losses. Understanding your legal rights early can make a significant difference in the outcome of your claim. Please call Johnson Law, P.C. to discuss your case: (907)277-3090 or use our online contact form.

Johnson Law, P.C. has been helping Alaskans for nearly 30 years. It’s who we are.

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

Source: The “State of Alaska Driver Manual” by the Alaska Department of Administration Division of Motor Vehicles

Image generated using ChatGPT – Prompt: Alaska Insurance Requirements

Filing A Wrongful Death Claim

To file a wrongful death claim or lawsuit, one must first prove that the responsible party’s acts or omissions are what caused your loved one’s injuries and ultimate death. Cases in which negligence or wrongful conduct can be proven to cause a death may have multiple claims. They should be investigated and asserted as early as possible to avoid being barred by the statute of limitations.

The wrongful death lawyers at Johnson Law, P.C. have more than three decades combined legal experience in personal injury law. We are also aware of the importance of pursuing justice and financial recovery for the losses you have suffered. We know Alaska, Alaskan Law and the legal processes involved in filing a wrongful death case. Johnson Law’s experience establishing facts and proving negligence in a wrongful death claims is critical to your case. We work tirelessly on your behalf. Johnson Law fights for the best possible outcome after a tragic loss. We help families begin to rebuild their lives.

Contact Johnson Law

If you lose a loved one due to a negligent act, contact Johnson Law and schedule to meet with our Alaskan personal injury lawyer. From the moment you contact us, we do everything possible to help you through a difficult time.

Johnson Law knows Alaska and Alaska Wrongful Death Claim Law. Find out how we can help. Call Johnson Law at  (907)277-3090 or use our Contact Form to discuss your motor vehicle crash injury case. We are here to serve you.

Johnson Law has been serving families in wrongful death claims for 30 years. It’s who we are. And while we hope you never need us… We’re here if you do. ~ Doug Johnson

Image Source: Legacy Funeral Home, Anchorage, Alaska

In any case involving who was negligent, and to what degree, it is imperative that you are represented by experienced legal counsel with a success record, particularly in proving negligence, and secondarily, on achieving high value awards. You cannot get any settlement or verdict without making a strong case to prove negligence first.

Proving Negligence

Proving negligence varies case to case. A full investigation into the facts must take place as early as possible after the injury and before critical evidence is lost or destroyed. Interviews with eyewitnesses, company employees, law enforcement officers, medical professionals, and many others could be necessary. An auto or vehicle accident case may require hiring an independent accident investigator to determine negligence under Alaska Insurance law. The investigator evaluates each vehicle and other information, including the actual scene of the accident, photographs, and damages.

Further, in cases of commercial negligence, it may be necessary to subpoena emails and other documents to prove that there was knowledge of the dangers that led to the injury, accident or death. Alaska insurance law requires injury victims to prove the other person’s negligence.

Contact An Experienced Alaska Personal Injury Attorney

Finally, every case is unique with regard to proving negligence. An experience Alaska personal injury attorney makes the difference. Call Johnson Law, P.C. for assistance in serious injury cases in Alaska.

Johnson Law knows Alaska and Alaska Insurance Law. Find out how we can help. Call Johnson Law at  (907)277-3090 or use our Contact Form to discuss your motor vehicle crash injury case. We are here to serve you.

Johnson Law has been serving Alaska auto injury victims with insurance Law claims for 30 years. It’s who we are. And while we hope you never need us… We’re here if you do. ~ Doug Johnson

Image Source: Legal Bites

Alaska Auto Insurance Requirements

According to the mandatory insurance law, the vehicle owner or driver has to have liability coverage on a vehicle. The minimum Alaska Auto Insurance coverage requirement is $50,000 per person / $100,000 per accident for injuries or death and $25,000 for property damage.

Although Alaska has set minimum levels of auto insurance. Many crashes cause damages exceeding those minimum requirements. For example, a serious crash may result in long-term injuries. These kind of injuries may reduce a victim’s ability to earn a living and limit his or her quality of life. When this occurs, the injured person may need financial help beyond the at-fault driver’s policy limits. Our advice is to review your insurance and then buy as much Liability insurance coverage as you can afford.

Penalties For Driving Without Insurance

If a negligent driver is driving without Alaska Auto Insurance and the auto crash injury victims can’t collect from an insurance company following an accident, the Department of Motor Vehicles (DMV) may suspend the negligent driver’s license until injured parties are paid in full in accordance with any judgment made by the court. There is a mandatory insurance law in Alaska. Being uninsured violates state law.

Drivers who do not carry Alaska Auto Insurance coverage may lose their license for at least 90 days when unable to produce proof of insurance. This keeps uninsured drivers off of the roads while they make required payments for your care and financial losses.

The Financial Responsibility law requires any negligent driver who hits another driver to pay for related losses, whether or not the negligent driver carries Alaska Auto Insurance. Once parties agree to a settlement, the negligent driver may regain their driver license upon court approval.

Johnson Law knows Alaska and Alaska Auto Insurance Law. Find out how we can help. Call Johnson Law at  (907)277-3090 or use our Contact Form to discuss your motor vehicle crash injury case. We are here to serve you.

Johnson Law has been serving Alaska auto injury victims for 30 years. It’s who we are. And while we hope you never need us… We’re here if you do. ~ Doug Johnson

Image Source: Car And Driver

Alaska Personal Injury Claims

In a personal injury case, the insurance settlement is an important consideration. It may allow you the chance to gain a satisfactory outcome without a lawsuit. On the other hand, the insurance company may try to persuade you into a lower settlement amount. What seems like a great choice in the moment, isn’t always the right choice for your future.

Before deciding to accept an insurance settlement, allow an Alaska personal injury attorney to review the situation. A good attorney works with other specialists, gaining a greater idea of the accident’s long term cost. This helps the attorney and the client comprehend the full scope of loss arising as a result of an accident. This understanding allows the attorney to argue for a fairer amount, or take the case to court if that is the best way reach the necessary outcome.

Is The Offer Fair?

Every claim is unique and requires case-by-case assessment. Working with an Alaska injury law firm is key to a fair insurance settlement. More serious injuries may leave you with long term affects. These are very important factors to weigh. When considering a settlement, the full scope of loss is more than medical bills. For example:

• Did you miss work?
• Are you dealing with the pain of lost income?
• Will you be able to return to work?
• Do you need to learn new skills for a different career? If so, will the insurance settlement cover the cost as well as the income gap?

Future Medical Considerations

I’s important to realize that initial medical bills are only the first consideration of an insurance settlement. The injured person may require extended medical treatment or face a lifelong disability. When an insurance company makes an offer, it may sound like a great option at the time. Many people later find out that what seemed like a high amount of compensation is insufficient to cover their medical care, lost wages, as well as causing severe financial strain. These concerns too often overwhelm, increasing the stress of physical and mental pain.

There is no exact science to determining if the insurance settlement is right for you. However, working with an experienced Alaska personal injury attorney offers far greater peace of mind. Contact Johnson Law today. The insurance settlement compensation you receive for your claim today is critical to your future.

Before signing away your claims, speak to the experienced Alaska personal injury attorneys at Johnson Law, P.C. about the insurance settlement offer. We know Alaska and Alaskan Law. Find out how we can help. Johnson Law has been serving Alaska auto injury victims for 30 years. It’s who we are. And while we hope you never need us… We’re here if you do. ~ Doug Johnson

Call Johnson Law at  (907)277-3090 or use our Contact Form to discuss your serious injury case. We are here to serve you.

Image Source: Adobe Stock

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

U/UIM Protects Alaskans In These Situations

You can purchase uninsured motorist (U) / underinsured motorist (UIM) coverage from your insurance provider. Although they cover different events, these two coverages are normally sold together as a package. U/UIM Protects Alaskans. These coverages are in addition to your liability coverage or Medical Payments coverage.

What Does U/UIM Cover?

U/UIM Protects Alaskans – it covers bills resulting from injuries or damages caused by a driver who didn’t have enough or any insurance coverage. Uninsured motorist insurance covers accidents caused by both hit-and-run drivers and drivers without coverage. Underinsured motorist insurance covers injuries and damages resulting from an accident caused by a driver who doesn’t have enough to cover all claims.

Alaskan Insurance Companies Must Offer U/UIM Coverage

While Alaskan Law does not force you to purchase U/UIM coverage, insurance companies in Alaska are required to offer UM/UIM coverage. This requirement falls under Alaska Statute 28.22.201.

Insurers must offer U/UIM limits that are at least equal to your liability policy limits. They must also offer optional higher limits. While insurance companies must offer U/UIM coverage, Alaskans have the option to decline or lower U/UIM coverage by signing a specific form.

Critical Notes On Uninsured / Underinsured Motorist Coverage

REMEMBER: U/UIM Protects Alaskans – If you choose not to sign a rejection or selection form, Alaska law requires the insurance company to include U/UIM coverage in your policy at limits that match your liability coverage. Your insurance provider will automatically added this coverage to your policy, unless you refuse. If you refuse the coverage, you must do so in writing.

Even if you have the minimum required liability insurance in Alaska – $50,000/$100,000 for bodily injury and $25,000 for property damage, damages from an auto accident could exceed these limits. To refuse U/UIM coverage, Alaskans must acknowledge they may not receive adequate compensation after a crash involving an uninsured or underinsured driver. U/UIM protects Alaskans.

Most importantly, U/UIM coverage is not automatically included in your policy; you must specifically request it. Once you reject the coverage, it’s excluded in any renewals unless you later request U/UIM in writing.

U/UIM Protects Alaskans and can be crucial in these situations, especially given that many drivers in Alaska and nationwide are uninsured or underinsured. 

If you are in an accident, it is important to gather as much information as possible from the other driver. Ask for registration in addition to proof of insurance. In many cases, several insurance policies can apply to assist in making injured parties whole following a crash.

Johnson Law has been helping Alaskans for nearly 30 years. It’s who we are. Call Johnson Law at  (907)277-3090 or use our Contact Form to discuss your Alaska accident injury case. We are here to serve you.

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

Source: Safe Motorist: Alaska Safe Motorist Guide; Alaska Statute 28.22.201.

Image Source: Auto Insurance

Omnibus Clause

Many Alaska liability insurance polices include an omnibus clause. An omnibus clause is a standard provision in many automobile liability policies extending coverage to individuals not named in the policy. In other words, the omnibus clause applies to individuals authorized to use an insured vehicle. As long as the individual has permission to drive the car, they are covered by the omnibus clause.

Does Alaska Liability Insurance Require An Omnibus Clause?

No, Alaska Liability Insurance Law does not require an omnibus clause. 

Here’s Why:

• Alaska law’s primary focus requires liability insurance with specific minimum coverage. This protects others if you cause an accident.
• Alaska Statute 28.22.101 mandates that owners of registered motor vehicles maintain a liability insurance policy meeting minimum requirements for bodily injury/death and property damage.

Again, while an omnibus clause is not legally mandated in Alaska, many auto insurance policies automatically include this provision. Read and understand the terms of your specific policy. Ask your insurance agent if your liability policy includes an omnibus clause and how it applies to your situation. 

Liability Insurance

If a friend takes your vehicle with permission and crashes but has their own insurance, your friend’s insurance may be primary and necessary to cover damages for injured parties. So, if someone else driving your car is at fault for the accident, here’s how your Alaska liability insurance policy’s coverage may help:

• Auto liability coverage: Alaska liability insurance may help pay for other injured parties’ medical bills or damaged vehicle that arose from the accident. Your liability coverage will not pay for the permissive driver’s medical bills or repairs to your car.
• Collision coverage: May help pay for your vehicle repairs. Keep in mind that you’ll have to pay your deductible (the amount you’re responsible for paying before insurance kicks in) first.
• Medical payments coverage: Typically pays for medical bills incurred by your vehicles occupants, including the permissive driver.

Insurance Coverage: Drivers Without Permission

If someone takes your vehicle without permission, then you will not be accountable for damages or injuries that driver causes. For instance, if a thief takes your vehicle and crashes, then you will not be liable for injuries. You may however need to use your Alaska liability insurance to cover your own property damage claims.

If you are in an accident, it is important to gather as much information as possible from the other driver. Ask for registration in addition to proof of insurance. In many cases, several insurance policies can apply to assist in making injured parties whole following a crash.

Johnson Law has been helping Alaskans for nearly 30 years. It’s who we are. Call Johnson Law at  (907)277-3090 or use our Contact Form to discuss your Alaska accident injury case. We are here to serve you.

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

Source: Investopedia; Alaska State Legislature

Image Source: Travel Alaska

Minimum Auto Insurance Requirements In Alaska

The state of Alaska requires drivers carry liability insurance. Alaskan Law states that drivers carry at least $50,000 of bodily injury coverage per person and $100,000 of bodily injury or Liability coverage per accident. Drivers also must carry $25,000 in property damage protection.

Although Alaska has set minimum levels of auto insurance. Many crashes cause damages exceeding those minimum requirements. For example, a serious crash may result in long-term injuries. These kind of injuries may reduce a victim’s ability to earn a living and limit his or her quality of life. When this occurs, the injured person may need financial help beyond the at-fault driver’s policy limits. Our advice is to review your insurance and then buy as much Liability insurance coverage as you can afford.

Increase Your Insurance Protection

ALL Auto Insurance Companies offer insurance coverage beyond Alaska’s minimum requirements. For example, Uninsured (UM), Under-Insured (UIM), Medical Payments and Umbrella Policies. These types of coverage are beyond the minimum and protect you in cases where damages exceed at-fault parties insurance available.

Proof Of Insurance – Are You Covered Alaska?

Drivers must also carry proof of insurance at all times. Failure to provide proof of insurance may result in a license suspension. Cars may also be impounded for failure to provide proof of insurance. Whether at fault for a crash or not, proof of insurance is a requirement. Drivers who do not have insurance may lose the right to drive in Alaska.

Questions About Coverage?

If you have questions when you review your auto insurance, call your auto insurance sales agent. They will provide a review of your coverage and make recommendations to ensure you are covered Alaska. Protect yourself and your family. Review your auto insurance and buy as much Uninsured, Under-Insured and Medical Payment insurance coverage as you can afford. Then ask your agent about an Umbrella Policy.

Johnson Law has been helping Alaskans for nearly 30 years. It’s who we are. Call Johnson Law at  (907)277-3090 or use our Contact Form to discuss your Alaska accident injury case. We are here to serve you.

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

Sources: Alaska DMV; Alaska Department of Administration; DMV.org

Image Source: Forbes

Drivers responsible for car crashes must pay property damage and injury claims thanks to the Mandatory Insurance Law.

Violators can lose their license until reaching a settlement with all parties in the crash. That means that having auto insurance is the easiest way to avoid losing a license for an extended period. It is also important to file claims so that uninsured drivers are held accountable to the law.

Alaskan Law requires Alaskan Drivers to have Liability Insurance

The minimum requirement for liability auto insurance in the state is $25,000 property damage and $50,000/$100,000 for bodily injury or death. Personal injury claims, especially for multiple parties, often exceeds insurance minimums. It is important to buy more insurance when possible, instead of not having enough insurance coverage.

Failure to maintain the required auto insurance may lead to the suspension of your driver’s license.

In the Municipality of Anchorage, if you are unable to provide proof of coverage, your vehicle may be impounded. In such instances, you would need to reach out to the Anchorage Police Department to learn about the procedures for retrieving your vehicle.

All Alaskan drivers on the road must carry proof of Auto Insurance

Whether at fault for a crash or not, proof of auto insurance is a requirement. Drivers who do not have insurance may lose the right to drive in Alaska.

If you are in an auto accident with an uninsured driver, you have options to cover injuries, lost wages and other claims. Additionally, your own insurance may help cover costs of auto accidents. Injured parties may also file a civil case to have the negligent party without auto insurance pay for the victim’s injuries, lost wages and other claims expenses out of pocket.

Please call Johnson Law to discuss your auto case: (907)277-3090 or use our online contact form.

Johnson Law has been helping Alaskans for nearly 30 years. It’s who we are.

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

Sources: Alaska DMV; Wikipedia

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Types Of Homeowner Insurance Policies

There are different types of coverage under each kind of homeowner insurance policy. The two most common types of homeowner policies are HO-2 and HO-3. A HO-2 policy is a named-peril policy meaning the insurance covers specific events as defined in the policy. A HO-3 policy is an open-peril policy meaning the policy covers most events except exclusions the policy states.

A HO-5 policy is the broadest of types, covering both dwelling and personal property events, except the listed exclusions. The HO-5 type homeowner insurance policy is not as common as a HO-2 or HO-3 policy.

In addition to types of insurance, there are basic standards homeowner policies cover in many cases.

Standard Coverage

Reconstruction or repair of the home is standard for homeowner insurance policies. Policies normally include the yard and attached structures, like a garage. Some instances are not included, for example floods are generally a separate policy for specific properties. In many cases, coverage includes unattached structures. If you have an unattached garage, shed or barn check your policy for coverage.

Personal belongings coverage is separate for most homeowner insurance policies. Personal belongings, like furniture or clothing, falls under this type of coverage. Replacing personal items falls under this kind of coverage for events like fire or theft.

Liability homeowner insurance coverage protects people visiting your home and may apply if you accidentally hurt someone while away from your home. This coverage may apply in instances like a dog bite or someone falling while at your house.

Medical Payments coverage pays medical bills for people with injuries from an event. This coverage is in addition to liability coverage. Medical Payments coverage covers an injured person regardless of who is at fault.

If you are a homeowner, read your homeowner insurance policy and ask questions to understand it. If someone is injured on or off your property, provide a copy of your homeowner policy to your attorney. An experienced attorney can help you research your homeowners policy for coverage.

Homeowner Insurance

Homeowner insurance includes the structure, personal items, living expenses in an emergency and liability coverage. Different situations may trigger homeowner liability insurance, such as dog bites, slip and fall accidents or carbon monoxide poisoning. It is important to have liability coverage when owning a home not only so others have protection but so do you.

How Homeowner Insurance Protects You

If someone suffers an injury at your home, you can be held legally liable in some cases. Concerns include things like medical payments, wage loss, pain, suffering and disability. Additionally, if you are visiting someone else’s home and suffer injuries due to that person’s negligence, you may be able to file a claim under their homeowner insurance policy to help recover loss. If you suffer injuries at another person’s home, ask them about liability homeowner insurance.

This Blog is Part 4 of a 5 Part Series. Check these posts for information about Liability, U/UIM, Medical Payments, and Umbrella Insurance.

Johnson Law, P.C. has been helping Alaskans for nearly 30 years. It’s who we are. And while we hope you never need us… We’re here if you do. ~ Doug Johnson

Please call Johnson Law, P.C. to discuss your case: (907)277-3090 or use our online contact form.

Secondary Sources: Insurance Information Institute; Nerd Wallet

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Umbrella Insurance Adds Liability Protection.

If you are in a situation where you are liable for someone’s injuries and claims, an umbrella policy is beneficial. After using all available primary insurance coverage, the umbrella policy kicks in to protect you and your assets from excess liability. That means if someone suffers injuries due to your actions, the umbrella policy helps take care of the injured party beyond your primary insurance limits. Additionally, the insurance protects your assets from liability claims and/or lawsuits.

Umbrella insurance helps with excess damages. If you suffer severe injuries due to someone else’s negligence, ensure your attorney asks about umbrella coverage on the at-fault party. For example, you are in a car accident suffering severe injuries and there is not enough auto insurance to cover your medical bills and claims. An experienced attorney will conduct research for umbrella coverage on the at-fault party. The additional insurance can be helpful recover losses due to the accident.

Ways it will help with other claims.

In addition to liability protection, umbrella coverage may help with “legal fees, false arrest, libel, and slander“. The coverage can be helpful to protect you in the event of a lawsuit. Adding the coverage to your insurance will help injured parties in case of serious accidents. It is important to plan ahead in case of an accident.

Combined with your home and auto insurance policies, an umbrella insurance policy is another layer of protection. Further, it may help during a lawsuit from driving or operating a rental. In addition, an umbrella policy may help if you’re sued.

What Is Umbrella Insurance?

Think of umbrella insurance -or personal liability insurance – as a safety net. Because, if you’re sued for damages that exceed the liability limits of your car insurance, homeowners insurance, boat insurance or other policies, an umbrella policy helps pay what you owe.

Umbrellas Insurance Start Where Other Policies Stop

Most Umbrella Policies sell in increments of $1 million. Umbrella insurance costs about $150 to $350 a year for the first $1 million of coverage and about $100 per million of coverage above that. The cost depends on where you live. Rates vary by state. Also, the number of homes, cars and boats you insure is equally important.

Is Buying An Umbrella Insurance Policy Necessary?

Do you need an umbrella insurance policy? Because Umbrella insurance isn’t required by law, it is most often purchased by people who have a lot of assets to protect or a high chance of being sued. The more you want to protect, the more insurance you want to buy. Follow the four steps below to learn more and obtain an umbrella policy to protect you if things go wrong.

• First, talk to your insurance agent. Before selling an Umbrella policy, insurers require a liability homeowner and auto policy.

• Second, learn about minimums: Homeowners is usually $300,000. Auto insurance is usually, $250,000 for injury to each person and $500,000 per accident.

• Third, look at the bottom line: Insurance companies often limit home and auto liability policies to $500,000 or $1 million. Adding more policies costs more money.

• Finally, compare numbers: It’s usually less expensive to buy an umbrella policy than to increase liability policies beyond the minimum required by your insurer.

This Blog is Part 4 of a 5 Part Series. Check these posts for information about Liability, U/UIM, Medical Payments, and Homeowner Insurance.

Johnson Law, P.C. has been helping Alaskans for nearly 30 years. It’s who we are. And while we hope you never need us… We’re here if you do. ~ Doug Johnson

Please call Johnson Law, P.C. to discuss your case: (907)277-3090 or use our online contact form.

Sources: Kiplinger; Nerdwallet; Trusted Choice; The Balance

Image Source: Investopedia

UNDERSTANDING MEDICAL PAYMENTS INSURANCE

Generally speaking, medical payments insurance covers the cost of medical expenses arising from an automobile accident – regardless of who is at fault. It can also cover the following expenses that may arise out of a car crash – even if you are nowhere near your insured vehicle:

• Medical Transport;
• Emergency Room Expenses 
• Radiology – X-rays / CT Scans / MRIs 
• Anesthesia; 
• Surgeon fees; 
• Medical facility / hospital fees; 
• Prostheses; 
• Doctor’s visits; 
• Dental care required as a result of a car crash; and 
• Funeral expenses. 

It covers all of your occupants and is optional in Alaska. Sadly, many people either decline the coverage, or do not know they have the option of purchasing Medical Payments coverage. Medical payments insurance can be used directly as primary coverage for expenses, or as a supplement to health care coverage you already have – paying co-pays and deductibles when you use your health insurance. Different policies take a different approach to this. Nonetheless, having medical payments insurance offers peace of mind that all expenses will be covered.

HOW TO GET MEDICAL PAYMENTS INSURANCE

The good news is, medical payments insurance can be added to your car insurance policy at any time. The cost of it is directly proportional to the amount of coverage you select per incident. Depending on your insurance policy and the size of coverage you choose, the insurance can be as low as $2.00 – $7.00 per month. This kind of coverage costs very little. Hopefully you never need it, but it ensures occupants receive the medical care they need.

Is it time to review Your Medical Payments (MedPay) Auto Insurance? Most of us buy first automobile insurance when we are “young and poor.” Our interaction with an insurance sales agent goes something like this: “I have no money. Sell me the cheapest coverage you have to let me legally drive in Alaska.” As a result, insurance sales agents normally sell us “statutory minimum”  “50/100” Liability insurance. We may or may not even know there is more protection available such as U/UIM and Medical Payments.

Medical Payments Insurance

Medical Payments or “MedPay” insurance normally pays for medical bills arising from an automobile accident. Therefore, it covers you and all occupants of your vehicle. And while it is not mandatory under Alaskan law – it should be. In fact, many people have no MedPay or only $5,000. This is not enough.

How Much Does It Cost

I recommend you buy $100K of “MedPay” insurance. It should cost between $50 and $75 every six months. Furthermore, People with sufficient MedPay rarely get bankrupted by medical bills and aren’t harassed by collection agencies after a Motor Vehicle Accident. Equally important, it is cheap peace of mind. Buy all you can afford.

BOTTOM LINE

If you or a loved one gets hurt in a car crash, be sure to coordinate payment of your medical bills between your health insurer and your Medical Payment insurer. DO NOT let your Medical Payments insurer exhaust your benefit up front. This is a common mistake.

This Blog is Part 3 of a 5 Part Series. Check these posts for information about Liability, U/UIM, Umbrella, and Homeowner Insurance.

Johnson Law, P.C. has been helping Alaskans for nearly 30 years. It’s who we are.

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

Please call Johnson Law, P.C. to discuss your case: (907)277-3090 or use our online contact form.

Secondary Source: Insurance Information Institute

Image Source: Wallet Hub

Nationally, around 13% of drivers do not have insurance. That equates to about one in eight drivers, a relatively high risk. If you get into a crash with an uninsured or underinsured individual, you would have to sue them personally for damages and injuries.

Uninsured Underinsured Auto Insurance

As the names suggest, Uninsured underinsured auto insurance applies to different situations. However, in each case, the other driver must be at fault. Uninsured coverage applies when the other driver does not have liability insurance. Underinsured coverage applies when the other driver does not have enough insurance to cover all damages from the accident.

There are four kinds of uninsured underinsured motorist coverage:

• Uninsured motorist property damage;
• Uninsured motorist bodily injury;
• Underinsured motorist property damage; and
• Underinsured motorist bodily injury.

What It Covers

Uninsured underinsured auto insurance is referred to as U/UIM. This type of insurance usually provides coverage for you, your household members, those permitted to drive your vehicle, and passengers of your car. However, it’s always a good idea to check your policy to know who your plan covers. In fact, your insurance company can explain the coverage in detail so you know what to expect if you get into a crash.

Is it time to review your Uninsured underinsured auto insurance? Most of us buy our first automobile insurance when we are “young and poor.” Our interaction with an insurance sales agent goes something like this: “I have no money. Sell me the cheapest coverage you have to let me legally drive in Alaska.” As a result, insurance sales agents normally sell us “statutory minimum”  “50/100” liability insurance. If we get really good advice, we also understand the value of and buy a matching 50/100 of U/UIM coverage. This U/UIM insurance provides us with minimal insurance when some drunk, uninsured driver takes us out while we are waiting for a red light to change.

U/UIM

Uninsured underinsured auto insurance protects you (and all occupants of your vehicle and family members) when you are run over by an Uninsured or Underinsured Motorist – usually a drunk driver. If you (and your family) are badly hurt by an uninsured or underinsured motorist, this insurance stands in the place of the other driver and pays your claims, just as the other driver’s liability insurance would pay them … if the drunk had any insurance. It is staggering how many Uninsured Underinsured drivers we have on Alaskan roads. U/UIM is VERY important insurance for you and your family.

Statutory Minimum Is Not Enough

Buy at least as much Uninsured underinsured auto insurance as you buy liability insurance. Consider buying more to better protect your family. This insurance coverage may be all that is available to address a lifetime of medical bills, unemployment and pain. We recommend at least 100/300 coverage or $100K per person, and $300K per accident. It is far better than 50/100, but it does not provide much beyond minimal protection. The next step up is 250/500 or $250K per person, and $500K per accident.

IMPORTANT: U/UIM insurance is usually less expensive than liability insurance. It is not linearly priced. In other words, doubling your U/UIM coverage will usually NOT double your premium payment. It is smart to think: “How much is my life – and my family’s lives – worth?”

This Blog is Part 2 of a 5 Part Series. Check these posts for information about Liability, Medical Payments, Umbrella, and Homeowner Insurance..

Johnson Law, P.C. has been helping Alaskans for nearly 30 years. It’s who we are.

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

Please call Johnson Law, P.C. to discuss your case: (907)277-3090 or use our online contact form.

Secondary Source: Insurance Information Institute

Image Source: Investopedia

Bodily injury insurance pays for the victim’s lost wages and medical bills. Property damage insurance covers repair costs for their vehicle or stationary objects, like their home or fence, that may have been damaged in the accident.

Liability car insurance is required in the State of Alaska (SOA) for all drivers. According to the Alaska Driver Manual, the minimum amount of mandatory liability insurance coverage is $50,000/$100,000 for bodily injury or death and $25,000 for property damage. All drivers are responsible for maintaining minimum insurance coverage.

Statutory Minimum Is Not Enough

If you are over 35 (and certainly if you are over 45) it is time to update your liability car insurance. Here are my nuts-and-bolts suggestions, after 30 years of cutting through automobile insurance like a hot knife through butter. Talk to your insurance sales agent. An insurance sales agent is trained to help you understand how much insurance is appropriate in your circumstances. It is their job to ask you questions, evaluate your situation, and make informed suggestions. Furthermore, this service costs you nothing. Call your insurance sales agent right now and set up an “Insurance Review Meeting.”

If you really don’t want to ask your insurance sales agent (or don’t have one), we recommend the following as the absolute minimum liability auto insurance you should buy before getting on Alaskan roads. This protects you from claims arising from your driving. If you lose control of your vehicle and hurt somebody, this insurance is what stands between you and bankruptcy.

We recommend a minimum of 100/300, that is $100K per person, and $300K per accident. This is OK coverage. It would grade 100/300 as C+ coverage. It is far better than 50/100, but it does not provide much beyond minimal protection.

The next step up is 250/500 or $250K per person, and $500K per accident. 250/500 is B+ coverage. It is reasonable.

When deciding how much liability insurance to buy, the key is realizing that you are driving 4,000 pounds of steel at 55+ MPH on icy Alaskan roads. If you lose control and hurt another person, you want enough liability auto insurance to pay the other persons’ medical bills, lost wages, pain, suffering, and disability. If you don’t buy enough liability insurance to cover these claims, the balance of the injured persons’ claims come out of your pocket.

How Much Does It Cost?

IMPORTANT: The cost of liability insurance is NOT linear. In other words, 100/300 does NOT cost twice as much as 50/100. The expensive insurance is the 50/100 coverage that you already have.

Alaska Requirements for Liability Car Insurance

You must provide proof of insurance to the Division of Motor Vehicles (DMV) within 15 days of being in a serious crash in Alaska. A serious crash involves bodily injury or death to a person, or property damage in excess of $501. Regardless of the crash’s cause, all drivers involved must submit proof of insurance. Even if you didn’t cause the crash you must provide the proof of liability car insurance to the DMV.

The requirement to notify the DMV is in addition to any report given to the police or insurance company. Normally the officer investigating the crash will give a certificate of insurance form to the drivers. The certificate of insurance forms are also available at any DMV office or on the state web page. Alaska law enforces harsh penalties against drivers without liability auto insurance. If you are uninsured, or fail to provide the proof within 15 days, your driver’s license will be suspended for 90 days for a first occurrence and 1 year for a second occurrence. Protect yourself and others on the road by carrying proper insurance.

This Blog is Part 1 of a 5 Part Series. Check these posts for information about U/UIM, MedPay, Umbrella, and Homeowner Insurance.

Johnson Law, P.C. has been helping Alaskans for nearly 30 years. It’s who we are.

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

Please call Johnson Law, P.C. to discuss your case: (907)277-3090 or use our online contact form.

Secondary Sources: Alaska Division of Insurance;  Alaska Department of Motor Vehicles; WalletHub

Image Source: WalletHub

Minimum Auto Insurance Requirements

Alaskan law requires liability insurance for drivers. Alaska statutes states that drivers must buy at least $50,000 of liability bodily injury coverage per person and $100,000 of liability bodily injury coverage per accident. Drivers must also buy $25,000 in liability property damage protection. Drivers must also prove they have insurance at all times. Failure to provide proof of insurance may result in a license suspension.

Statutory minimum does not mean fully insured. Although Alaska requires minimum levels of auto insurance, many crashes cause damages greater than minimum requirements cover. For example, a severe crash may result in long-term injuries. Such injuries reduce a victim’s ability to earn a living or limit quality of life. When this occurs, the injured person may require insurance beyond what an at-fault driver’s policy insures.

Additional Insurance Options During Insurance Coverage Review

Companies offer insurance beyond state requirements, such as uninsured (UM), underinsured (UIM), and medical payments coverage (MedPay). These insurances should be part of every insurance coverage review. They protect you when damages exceed the at-fault parties’ insurance available.

Uninsured/Underinsured Motorist Insurance

Uninsured/Underinsured Motorist coverage, usually called U/UIM – protects you (and all occupants of your vehicle and family members) when you are run over by an Uninsured or Underinsured Motorist – usually a drunk driver. If you (and your family) are badly hurt by an uninsured or underinsured motorist, this insurance stands in the place of the other driver and pays your claims, just as the other driver’s liability insurance would pay them … if the drunk had any insurance. It is staggering how many Uninsured / Underinsured Motorist we have on Alaskan roads. U/UIM is VERY important insurance for you and your family.

Prepare for winter weather driving. Buy at least as much U/UIM insurance as you buy liability insurance. Consider buying more to better protect your family. This insurance coverage may be all that is available to address a lifetime of medical bills, unemployment and pain. I recommend at least 100/300 coverage. It is far better than 50/100, but it does not provide much beyond minimal protection. The next step up is 250/500 or $250K per person, and $500K per accident.

IMPORTANT: U/UIM insurance is usually less expensive than liability insurance. It is not linearly priced. In other words, doubling your U/UIM coverage will usually NOT double your premium payment. It is smart to think: “How much is my life – and my family’s lives – worth?”

Medical Payments Insurance

Medical Payments Coverage or MedPay insurance normally pays for medical bills arising from an automobile accident. It covers you and all occupants of your vehicle. And while it is not mandatory under Alaskan law – it should be. Many people have no MedPay or only $5,000. This is not enough.

How Much Will I Pay for MedPay Coverage? We recommend you buy $100K of MedPay insurance. It should cost between $50 and $75 every six months. People with good MedPay coverage rarely get bankrupted by medical bills and aren’t harassed by collection agencies after a Motor Vehicle Accident. It is cheap peace of mind. Buy all you can afford.

Insurance Coverage Review For Winter

Prepare for winter weather driving with a full auto insurance coverage review. It is essential to have enough insurance in a car accident. After a serious automobile crash, contact an injury attorney. The attorney gathers evidence in your case to establish the negligence of a third-party causing injuries. If you are a victim of a motor vehicle collision, you have legal rights to hold negligent parties accountable. Including parties who don’t meet Alaska insurance requirements.

Johnson Law, P.C. has been helping Alaskans for nearly 30 years. It’s who we are.

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

Please call Johnson Law, P.C. to discuss your case: (907)277-3090 or use our online contact form.

Sources: Alaska Division of Motor Vehicles, Alaska Statutes, Forbes

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