Alaska Liability Car Insurance – What is it? It is the foundation of every automobile insurance policy and is required for all drivers in Alaska. Specifically, Alaska liability car insurance pays for injuries and property damage you cause to others if you are at fault in a motor vehicle accident.

Bodily Injury Liability Coverage

Bodily injury liability insurance helps pay for:

• Medical expenses
• Lost wages
• Rehabilitation costs
• Pain and suffering
• Disability-related damages
• Wrongful death claims

This coverage protects you when another person is injured because of your driving.

Property Damage Liability Coverage

Property damage liability insurance pays for damage to:

• Other vehicles
• Homes
• Fences
• Buildings
• Utility poles
• Other property damaged in a crash

However, without adequate coverage, you may be personally responsible for paying these costs.

How Much Alaska Liability Car Insurance Is Required?

Alaska law requires every driver to carry minimum liability insurance coverage of:

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

These limits are commonly referred to as 50/100/25 coverage.

According to the Alaska Driver Manual, all drivers are responsible for maintaining this minimum insurance coverage while operating a vehicle on Alaska roads.

Is Alaska’s Minimum Liability Coverage Enough?

For most drivers, the answer is no.

The statutory minimum requirements were designed to establish a baseline level of protection. Even so, modern medical care, vehicle repair costs, and wage loss claims can quickly exceed those limits.

A serious crash can result in:

• Emergency medical transportation
• Hospitalization
• Surgery
• Long-term rehabilitation
• Lost income
• Permanent disability

These expenses often exceed $100,000.

If your insurance limits are exhausted, you may become personally responsible for the remaining damages.

Recommended Alaska Liability Car Insurance for Drivers

After decades of handling Alaska injury claims and negotiating with insurance companies, we generally recommend higher liability limits than the state minimum.

100/300 Coverage

Coverage limits:

• $100,000 per injured person
• $300,000 per accident

This level of protection is substantially better than Alaska’s minimum requirements and provides a reasonable starting point for many drivers.

While not ideal for every household, 100/300 coverage offers significantly greater financial protection than 50/100 coverage.

250/500 Coverage

Coverage limits:

• $250,000 per injured person
• $500,000 per accident

For many Alaska families, 250/500 coverage provides a stronger layer of protection against catastrophic injury claims and major accidents.

Furthermore, considering the potential financial consequences of a serious collision, this level of coverage is often a wise investment.

Why Higher Liability Limits Matter in Alaska

Driving in Alaska presents unique risks.

Drivers routinely encounter:

• Summer sun – during early morning or late evening, the sun lingers directly in a driver’s line of sight
• Severe driver fatigue – Alaska’s continuous daylight causes circadian rhythm disruption
• Increased Traffic – Alaska’s summer brings a massive influx of tourists and RVs
• Distractions such as scenic views, wildlife, and navigating unfamiliar roads
• Wildlife crossings – driver reaction can be impaired by sun glare and fatigue
• Long-distance travel – stretches of highway often lull drivers into a false sense of security
• Severe weather conditions – because Alaska is so large, weather can change drastically mid-trip

When you are driving a 4,000-pound vehicle at highway speeds, a single mistake can cause life-changing injuries.

If you cause a crash that seriously injures another person, your liability insurance may be responsible for covering:

• Medical bills
• Future medical care
• Lost wages
• Loss of earning capacity
• Pain and suffering
• Permanent disability

If your insurance coverage is insufficient, the injured person’s claim may reach your personal assets.

To clarify, adequate liability insurance can be the difference between financial security and financial hardship.

Does More Alaska Liability Car Insurance Cost Much More?

Many drivers assume that doubling their coverage doubles their premium.

That is often not true.

Liability insurance pricing is generally not linear. In many cases, increasing coverage from 50/100 to 100/300 or even 250/500 costs far less than most drivers expect.

The largest jump in protection often comes with a relatively modest increase in premium.

For this reason, scheduling an insurance review with your insurance agent can be one of the most cost-effective financial decisions you make.

Schedule An Insurance Review

Your insurance agent’s job is to evaluate your risks and recommend appropriate coverage.

An insurance review can help determine:

• Whether your current limits are adequate
• Whether you need higher liability coverage
• Whether umbrella insurance makes sense
• Whether your family is properly protected

If you are over 35 – and especially if you are over 45 – it may be time to revisit coverage decisions you made years ago.

Life changes. Assets grow. Risks increase.

Your insurance coverage should evolve as well.

Alaska Insurance Reporting Requirements After an Accident

Alaska law requires drivers involved in certain crashes to provide proof of insurance to the Alaska Division of Motor Vehicles (DMV).

Generally, proof of insurance must be submitted within 15 days when a crash involves:

• Bodily injury
• A fatality
• Property damage exceeding $501

Importantly, all drivers involved in the collision must provide proof of insurance, even if they did not cause the accident.

This requirement is separate from:

• Police reports
• Insurance company reports
• Other accident documentation

In fact, the investigating officer will often provide the necessary insurance certification forms. These forms are also available through Alaska DMV offices.

Penalties for Driving Without Insurance in Alaska

Alaska imposes serious penalties on uninsured drivers.

Accordingly, failure to maintain liability insurance or provide proof of coverage can result in:

First Offense

• Driver’s license suspension for 90 days

Second Offense

• Driver’s license suspension for one year

As a result, these penalties can create significant financial and personal hardships.

Maintaining proper insurance coverage protects not only your driving privileges but also your financial future.

Frequently Asked Questions

What is the minimum liability insurance required in Alaska?

Alaska requires drivers to carry at least $50,000 per person, $100,000 per accident for bodily injury or death, and $25,000 for property damage.

What does liability insurance cover?

Liability insurance pays for injuries and property damage suffered by other people when you are at fault in a crash.

Does liability insurance cover my own injuries?

No. Liability insurance generally covers damages suffered by others. Specifically, coverage for your own injuries may come from medical payments coverage, health insurance, or other available policies.

Should I buy more than Alaska’s minimum insurance limits?

In most situations, yes. Higher liability limits provide better financial protection and can help shield your assets if you cause a serious accident.

Minimum Coverage May Not Be Enough

Protect yourself before an accident happens. The best time to evaluate your insurance coverage is before you need it.

Alaska’s minimum liability requirements may satisfy the law, but they may not adequately protect your family, your assets, or your future.

First, review your coverage. Second, talk with your insurance agent. Third, consider higher liability limits. To illustrate, a small increase in premium today could prevent a devastating financial loss tomorrow.

If you have questions after an Alaska car accident or believe an insurance company is not treating you fairly, the experienced Alaska injury attorneys at Johnson Law, P.C. are available to help. Please call Johnson Law to discuss your case: (907)277-3090 or use our online contact form.

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

This article is Part 3 of a 6-Part Series. See additional articles for information about Alaska Insurance Requirements, Alaska Summer Auto Insurance Coverage Review, Alaska U/UIM Auto Insurance, Alaska Medical Payments Insurance, and Umbrella Insurance Policies In Alaska

Secondary Sources: Alaska Division of Insurance

Image generated using ChatGPT – Prompt: Auto Accident on Alaskan Roads

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

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

This article is Part 2 of a 6-Part Series. See additional articles for information about Alaska Insurance Requirements, Alaska Liability Car Insurance, Alaska U/UIM Auto Insurance, Alaska Medical Payments Insurance, and Umbrella Insurance Policies In Alaska

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

This article is Part 1 of a 6-Part Series. See additional articles for information about Alaska Summer Auto Insurance Coverage Review, Alaska Liability Car Insurance, Alaska U/UIM Auto Insurance, Alaska Medical Payments Insurance, and Umbrella Insurance Policies In Alaska

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

• Bodily Injury (BI) Liability: Pays for medical bills, lost wages, and pain and suffering for injured third parties.
• Property Damage (PD) Liability: Pays for repairs to the other person’s car, fences, mailboxes, or other property you might damage with a vehicle.

Auto Liability Insurance protects you when claims arise from your driving. If you lose control of your vehicle and hurt somebody, this insurance is what stands between you and financial hardship or bankruptcy.

With winter driving hazards in mind, it is time to review your Auto Liability Insurance. Most Alaskans first buy 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 that allows let me to legally drive in Alaska.” As a result, insurance sales agents normally sell the “statutory minimum”  “50/100” liability insurance.

Statutory Minimum Is Not Enough

Problems arise when we get older. We are (hopefully) not so poor. Living the American Dream, most Alaskans work and save money. We have a home and are raising families. Through hard work and determination, we have a bit of “heel on our shoes.” Yet, Alaskans continue to drive with the same cheap Auto Liability Insurance that we bought as kids…

If you are over 35 (and certainly if you are over 45) it is time to update your Auto Liability Insurance. Here are our nuts-and-bolts suggestions, after 30 years of reviewing automobile insurance policies. First, 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 schedule an “Insurance Review Meeting.”

Auto Liability Insurance Recommendations

If you really don’t want to ask your insurance sales agent (or don’t have one), we recommend 100/300 (that is $100K per person, and $300K per accident) as the absolute minimum Auto Liability Insurance Alaskans should buy before getting on Alaskan roads. We grade 100/300 as C+ coverage. It is far better than 50/100. At the same time, it does not provide much beyond minimal financial protection to Alaskans.

The next step up is 250/500 or $250K per person, and $500K per accident. We grade 250/500 as B+ Auto Liability Insurance coverage. It provides much more reasonable financial protection.

When deciding how much Auto Liability Insurance insurance to buy, the key is realizing you are driving about 4,000 pounds of steel at 55+ MPH on icy Alaskan roads. If you lose control and injure another person be sure you have enough liability 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 Auto Liability Insurance is NOT linear. In other words, 100/300 does NOT cost twice as much as 50/100. Usually, doubling your 50/100 liability insurance should cost you less than $75 every six months. The expensive insurance is the 50/100 statutory minimum coverage that you already bought. Think of it this way… can you financially recover from the significant costs of bodily injury and property damage following an accident without sufficient Auto Liability Insurance?

This Auto Liability Insurance Article is Part 2 of a 6-Part Winter Auto Insurance Review Series. See these articles for information about UM and UIM Insurance, Auto MedPay, Umbrella Coverage, and Personal Injury Auto Claims.

Johnson Law has been helping Alaskans for nearly 30 years. It’s who we are. Please call Johnson Law to discuss your auto insurance case: (907)277-3090 or use our online contact form.

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

Image Source: Alaska Car Transport

Understanding Alaska Car Insurance

The three types of Alaska Auto Coverage insurance sold to Alaskans intended to help injury victims, include:

1. Liability insurance; 
2. Uninsured and underinsured motorists (often referred to as U/UIM); and 
3. Medical Payments Coverage (MedPay). 

An experienced  Alaskan personal injury attorney  reviews the driver’s and passenger’s insurance to determine if the policies apply to the crash.

1. Liability (Bodily Injury) Insurance

Alaska drivers must maintain at least 50/100 ($50K per person, up to $100K per incident) of liability insurance. This insurance normally covers against “loss from the liability imposed by law for damages that arise from the ownership, maintenance, or use of a designated motor vehicle.” It also normally insures against loss “imposed by law for damages that arise from use by the operator of a motor vehicle not owned by the operator.” In other words, liability insurance covers named insured and all those operating the insured vehicle with the owner’s permission.

2. Uninsured And Underinsured Motorist Coverage

Most drivers also carry uninsured and underinsured motorist coverage. This is a low cost insurance policy that protects drivers hit by people violating the law and not carrying required liability insurance. It can also provide coverage when there is a hit and run accident. Uninsured and underinsured motorist coverage normally extends to all occupants of the insured vehicle, including family members. It is also personal. That means your U/UIM insurance covers you whether you are in your own car or not. Alaskan case law provides that U/UIM insurance even covers pedestrians hurt by uninsured/underinsured motorists.

3. Medical Payments Coverage

Medical Payments refers to coverage included on some car insurance policies that pays medical expenses for all occupants in a vehicle suffering injuries from a crash. The coverage will cover both the person insured and passengers. MedPay covers injuries regardless of who causes the crash. Like U/UIM coverage, MedPay is personal. It normally covers you and your family even while in another person’s car, walking along a street, or on a pogo stick in Australia. It is a low cost insurance option that can be added to most insurance policies.

How Alaska Auto Coverage Helps

If you have suffer injuries following a car crash, even if it was a single car crash, you may be able to receive compensation for your injuries. This can include lost wages, medical bills, and pain and suffering. Having an Alaska personal injury attorney who understands the ins and outs of the Alaska court system is essential. Our attorneys will review your case at no cost.

Understandably, some people are uncomfortable with the thought of suing another family member. Fortunately, Alaskan law provides solutions to that problem. Johnson Law understands the purpose of insurance is to protect your family from catastrophic medical bills, regardless of who is at fault. 

Johnson Law knows Alaska and Alaska Auto Coverage 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 Insurance List: Car Insurance In Alaska

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

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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Claim Example

A family called me about their son, “Jason” – a young man (16 years old) who was badly injured during a single-vehicle roll-over. The driver, Harvey, lost control of his vehicle and rolled off Chena Hot Springs Rd. Jason was not wearing his seatbelt. Harvey’s auto insurance company told Jason’s family: “Jason’s injuries are Jason’s own fault. Jason should have worn a seatbelt. Go away.”

Jason’s medical and surgical bills totaled more than $129,000. Jason will live with 60+ years of pain and limited mobility because of this wreck. The insurance company declined to provide any help for Jason and his family.

Proving Liability

Proving the liability claim denied by the insurance company: We gathered the police report, visited the scene, spoke with Harvey, measured and photographed the pickup truck, located the pickup’s “black box” and performed appropriate legal research. Initially, we confirmed: (1) that Harvey was negligent because the Rules of The Road require drivers to stay within their lane unless it is safe to leave it (13 AAC 02.085); and (2) that Harvey’s insurance company was only partially correct: Any part of Jason’s injuries caused by Jason’s failure to wear a seatbelt were Jason’s responsibility, not Harvey’s. Hutchins v. Schwartz, 724 P.2d 1194, 1199 (Alaska 1986).

Next, we focused on Jason’s injuries and whether they were caused not wearing a seatbelt.

We hired an Expert to investigate whether the lack of a seatbelt contributed to Jason’s injuries. The Expert performed extensive tests. He evaluated damage of Harvey’s pickup. The Expert’s report showed the insurance company was wrong. The Expert concluded: “No. Jason’s failure to wear a seatbelt in no way caused or made Jason’s injuries worse.” There was no connection between Jason’s failure to wear a seatbelt and Jason’s injuries. The crushed roof of the pickup impacted the pickup’s bench seatback. Because the roof was so badly crushed, if Jason had been wearing a seatbelt, he might have died in the crash. In other words, Jason was eligible for the insurance that Harvey’s and Jason’s families had purchased to protect them.

Resident Relative Claim

After we put together Jason’s case, Harvey’s insurance company paid Jason full liability “Policy Limits” of $100,000 under Harvey’s auto policy. It also paid Jason full Underinsured Motorist “Policy Limits” of another $100,000.

Finally, Jason’s family purchased auto insurance. They purchased both Uninsured Underinsured Insurance and Medical Payment Insurance. The family policy paid Jason an Underinsured Motorist “Policy Limit” of $50,000 as his mother’s Resident Relative. The family policy also paid Jason’s medical bills. The insurance also paid for the vocational rehabilitation Jason needs.

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

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

Sources: Investopedia; Alaska Administrative Code; Justia U.S. Law

Image Source: Lovelace Health System

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

Image Source: The Smart Investor