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

The evidence collected after a collision can directly impact an injured victim’s ability to recover compensation. Preserving important information early may also help prove how the accident occurred and who caused the crash.

Photographs of the Accident Scene Can Be Critical

Conditions inside work zones can change quickly after a crash. Consequently, photographs often provide some of the strongest evidence in a construction zone accident case. Construction crews may move signs, barriers, equipment, or lane markings within hours. Thus, accident scene photographs helps preserve important details before conditions change.

Helpful photographs include:

• Road construction signs.
• Lane closures or detours.
• Traffic cones and barriers.
• Skid marks.
• Vehicle damage.
• Loose gravel or debris.
• Poor lighting conditions.
• Uneven pavement or potholes.

Drivers should take photographs from multiple angles whenever possible.

Dash Camera Footage May Capture the Crash

Video footage may show exactly how a construction zone collision occurred. As a result, dash cameras have become increasingly valuable after traffic accidents.

In particular, dash camera recordings may capture:

• Sudden lane shifts.
• Unsafe merging.
• Distracted drivers.
• Speeding vehicles.
• Missing warning signs.
• Dangerous roadway conditions.

In some cases, nearby commercial vehicles or other motorists may also possess helpful video footage.

Because recordings may be deleted quickly, injured victims should attempt to preserve this evidence immediately after an accident.

Police Reports Often Contain Important Findings

Law enforcement officers responding to construction zone crashes typically prepare detailed accident reports. In addition, police reports contain valuable information about:

• Driver statements.
• Witness accounts.
• Road conditions.
• Traffic violations.
• Weather conditions.
• Initial fault determinations.

Police reports may also identify whether road construction conditions contributed to the accident.

Although police reports may not always determine final liability, they often become important pieces of evidence during insurance claims and lawsuits.

Witness Statements Can Strengthen Alaska Construction Zone Accident Claim

Independent witnesses may provide critical testimony after a construction zone accident. Witnesses often observe dangerous driving behavior or unsafe roadway conditions before a crash occurs.

For example, witnesses may confirm:

• A driver was speeding.
• Traffic signs were missing.
• Construction equipment blocked visibility.
• Drivers ignored flaggers or lane closures.

Witness memories can fade over time. Therefore, collecting names and contact information quickly is important.

Medical Records Help Connect Injuries to the Crash

Medical documentation plays a major role in any Alaska personal injury claim. Immediate medical treatment not only protects a victim’s health, but also creates records linking injuries directly to the accident.

Medical records document:

• Emergency treatment.
• Diagnostic imaging results.
• Surgical procedures.
• Physical therapy.
• Long-term disability.
• Pain complaints.

In contrast, delays in medical treatment may allow insurance companies to argue that injuries were unrelated to the construction zone accident.

Construction Records May Reveal Safety Violations

Construction companies and contractors must follow strict roadway safety standards. In some cases, internal construction records may reveal unsafe practices or regulatory violations.

Important evidence may include:

• Work zone inspection reports.
• Traffic control plans.
• Contractor safety logs.
• Maintenance records.
• Roadway design documents.

These records may help determine whether construction crews created dangerous driving conditions.

Cell Phone Records May Prove Distracted Driving

Distracted driving remains a leading cause of construction zone accidents. Cell phone records may help show whether a driver was texting, calling, or using mobile apps at the time of the collision.

This evidence can become especially important in serious injury or wrongful death cases.

Early Investigation Matters In Alaska Construction Zone Accidents

Construction zone accident evidence can disappear quickly. Road crews may repair hazards, remove equipment, or change traffic patterns shortly after a crash.

At the same time, surveillance footage may be erased and witnesses may become harder to locate.

Early investigation often helps preserve valuable evidence before it is lost forever.

Protect Your Rights After an Alaska Construction Zone Accident

Overall, Alaska construction zone accident injury claims often involve complicated legal and factual issues. Proving liability may require evidence from multiple sources, including accident scenes, medical providers, contractors, and law enforcement agencies.

Drivers injured in Alaska construction zone accidents involving cars or motorcycles may be entitled to compensation for medical bills, lost income, pain and suffering, and future medical costs. However, recovering full compensation often depends on proving how the accident occurred and who caused the crash. Therefore, strong evidence such as photographs, witness statements, medical records, and accident reports can play a critical role in building a successful Alaska construction zone injury claim.

Johnson Law has been serving injured Alaskans and protecting injured Alaska Tourists’ rights for 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

Image created using ChatGPT – Prompt: Preserve Evidence After An Alaska Construction Zone Accident

Construction zones often create dangerous driving conditions across Alaska during the summer months. Narrow lanes, reduced speed limits, uneven pavement, and shifting traffic patterns increase the risk of serious crashes. When an accident happens in a work zone, injured victims often wonder who may be legally responsible.

Determining liability in an Alaska construction zone accident is complex. To illustrate, in some cases, multiple parties may share responsibility for injuries and damages.

Negligent Drivers Often Cause Work Zone Accidents

Many Alaska construction zone crashes occur because drivers fail to adjust to changing road conditions. Speeding, distracted driving, tailgating, and unsafe lane changes frequently lead to collisions in active work areas.

For example, a driver who ignores warning signs or follows another vehicle too closely through an Alaska construction zone may cause a rear-end accident when traffic suddenly slows. Similarly, distracted drivers may fail to notice lane closures or flaggers directing traffic.

Drivers have a legal duty to operate vehicles safely in construction zones. When they fail to do so, they may be held financially responsible for injuries they cause.

Construction Companies May Share Responsibility

Construction companies and contractors must maintain safe Alaska construction work zones for drivers and workers. If crews fail to follow safety regulations, serious accidents may occur.

For example, unsafe construction zone conditions may include:

• Missing warning signs.
• Poorly marked lane shifts.
• Inadequate lighting.
• Dangerous road debris.
• Improper traffic control devices.
• Unsafe equipment placement.

Accordingly, drivers may not have enough warning to react safely if a construction company fails to post clear detour signs or hazard notices.

Consequently, construction contractors who create unsafe Alaska construction zone roadway conditions may face liability for resulting accidents and injuries.

Government Agencies May Be Liable

Some Alaska construction zone projects involve state or local government agencies. Specifically, agencies responsible for roadway maintenance and project oversight may sometimes contribute to dangerous conditions.

Examples may include:

• Failure to repair known roadway hazards.
• Poor project planning.
• Unsafe traffic control measures.
• Failure to inspect construction areas properly.

Claims involving government agencies often follow strict filing deadlines and legal procedures. Therefore, injured victims should act quickly after a construction zone accident.

Commercial Vehicles May Increase Construction Zone Risks

Large trucks and commercial vehicles face additional challenges in Alaska construction zones. Indeed, reduced lane widths and sudden traffic changes may increase the likelihood of collisions involving tractor-trailers, delivery vehicles, or construction trucks.

Truck drivers and trucking companies may become liable if they:

• Drive too fast for conditions.
• Fail to maintain vehicles properly.
• Ignore work zone traffic laws.
• Operate while distracted or fatigued.

Commercial vehicle accidents in construction zones often result in catastrophic injuries due to the size and weight of large trucks.

Evidence Is Critical After a Construction Zone Crash

In fact, strong evidence often plays a key role in proving fault after an Alaska construction zone accident. Injured victims should preserve as much information as possible after a crash.

Helpful evidence may include:

• Photographs of road conditions and signage.
• Dash camera footage.
• Police reports.
• Witness statements.
• Medical records.
• Construction zone layouts.
• Vehicle damage documentation.

In addition, accident investigators may review whether construction companies and drivers followed Alaska traffic safety regulations.

Injuries From Alaska Construction Zone Accidents Can Be Severe

Construction zone crashes frequently involve high-impact collisions, sudden stops, and hazardous road conditions. Victims may suffer:

• Traumatic brain injuries.
• Spinal cord injuries.
• Broken bones.
• Internal injuries.
• Neck and back injuries.
• Long-term disability.

Consequently, these injuries often lead to expensive medical treatment, lost income, and ongoing pain and suffering.

Protect Your Rights After an Alaska Construction Zone Accident

In conclusion, construction zone accident claims can involve multiple insurance companies, contractors, and legal issues. Determining liability requires careful investigation and strong evidence.

Drivers injured in Alaska construction zone accidents may have the right to pursue compensation for medical expenses, lost wages, future treatment costs, and other damages caused by negligence. Therefore, acting quickly after an accident helps preserve important evidence and protect your legal rights.

Johnson Law has been serving injured Alaskans and protecting injured Alaska Tourists’ rights for 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

Image created using ChatGPT – Prompt: Alaska Road Construction

Pay Attention in Construction Zones

Drivers must stay alert and cautious when traveling during Alaska construction season. Road work areas often contain changing traffic patterns, narrowed lanes, uneven pavement, construction equipment, and active workers near moving vehicles. Slow down, follow posted signs, and maintain a safe distance between your vehicle, other drivers, and roadside crews.

Watch carefully for work trucks, loose materials, tools, and debris that may create dangerous driving conditions. Safe driving in construction zones helps prevent serious accidents and protects both motorists and road workers.

Avoid Distracted Driving

Distracted drivers increases the risk of serious accidents during Alaska construction season. Stay focused and alert when traveling through road work areas. Avoid using your phone, lower the radio volume, and regularly check your mirrors and blind spots. Paying close attention to changing traffic patterns, road crews, and construction vehicles can help prevent avoidable crashes and Alaska construction zone injuries.

Slow Down for Road Work During Alaska Construction Season

Summer road construction is common across Alaska highways and city streets. Crews often perform road repairs, resurfacing projects, and traffic flow improvements during the warmer months. Drivers should reduce speed and remain attentive when approaching construction zones, lane shifts, or detours.

Slowing down during Alaska construction season improves safety for motorists, passengers, and roadside workers. Drivers should also remember that Alaska traffic fines often increase in active work zones.

Alaska’s summer construction season creates unique driving hazards for residents and visitors alike. Road work zones often include reduced speed limits, changing traffic patterns, loose gravel, heavy equipment, and active roadside crews. Drivers who stay alert, avoid distractions, and slow down in construction areas can significantly reduce the risk of serious accidents and injuries.

Safe driving habits protect everyone on Alaska roads. Paying attention in work zones, following posted signs, and giving workers and other vehicles extra space can help prevent collisions during the busy summer travel season. Drivers injured in Alaska construction zone accidents may have legal rights to seek compensation for medical expenses, lost income, and other damages caused by negligent drivers or unsafe roadway conditions during Alaska construction season.

Johnson Law has been serving injured Alaskans and protecting injured Alaska Tourists’ rights for 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

Image created using ChatGPT – Prompt: Alaska Construction Season Roadworks Flagger

Some types of crashes are more dangerous and likely to cause injuries than others. These serious auto accident cases include rollovers, head-on collisions, rear-end collisions and side-impact crashes.

Serious Auto Accident Cases

Rollovers are serious auto accident crashes because of the potential for crushing injuries as well as injuries from debris, glass and broken pieces of your vehicle. Head-on collisions add the force of both vehicles colliding from opposite sides, essentially doubling the overall force compared to a rear-end collision where both vehicles are traveling in the same direction.

Rear-end collisions are serious auto accident crashes due to the potential for crashing into other objects ahead of you as well as the risk for whiplash and other head and neck injuries. Finally, side-impact crashes are highly likely to result in harm. There is little protection for those inside the vehicle against the vehicle that has hit the side doors.

Head-on crashes are especially serious auto accident cases because they involve direct, high-impact force between two moving vehicles. Here’s why they often result in severe injuries or fatalities:

1. The Force of Impact Doubles

When two vehicles travel toward each other, their speeds combine at the moment of collision. For example, if each vehicle travels at 50 mph, the impact force can be similar to hitting a solid object at 100 mph. This intense energy transfers directly to the occupants causing a serious auto accident.

2. Limited Time to React

Drivers often have very little time to brake or steer away before impact. That lack of reaction time reduces the chance to minimize damage.

3. Direct Impact to Critical Areas

A head-on crash typically damages the front of the vehicle, where the engine compartment and steering column are located. Although modern vehicles are designed to absorb energy, the force can still intrude into the passenger compartment and cause severe injury in a serious auto accident.

Common Injuries In These Crashes

Common injuries in serious auto accident crashes include contusions, whiplash, spinal cord injuries, herniated discs and head trauma. Broken bones and lacerations may occur as well. In severe cases, these kinds of crashes can prove fatal.

No matter what kind of crash you’re in, it’s necessary to seek medical help right away. Early medical care can help reduce the risk to everyone involved in a crash.

Parties often resolve personal injury and negligence in serious auto accident crashes cases by reaching a settlement agreement before trial. If they cannot agree on a settlement, they must file a lawsuit and proceed through litigation. Johnson Law works hard to settle our clients’ car accident cases without the court. In some cases, we must file a lawsuit and go to trial.

Johnson Law has been helping Alaskans for 30 years. It’s who we are. Call Johnson Law at  (907)277-3090 or use our Contact Form to discuss your serious auto 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

Image created using ChatGPT – Prompt: A serious auto accident in Alaska

Insurance Adjusters

Insurance adjusters are sometimes helpful, but their role is complex. Be very clear, insurance company adjusters work for the insurance company – not you. They “win” to the extent you “lose.” Employed by the insurance company, their goal is to settle claims according to the insurance policy. This puts the insurance companies’ financial interests ahead of your interests.

An insurance adjuster’s responsibility is to settle personal injury claims within policy limits or less. Furthermore, insurance adjusters often receive compensation based upon how little money is paid to claimants like you. For these reasons, it is best for the injured claimant to call a personal injury attorney – a professional who is 100% on your side.

Personal Injury Attorneys

A PI Auto Claims Lawyer brings individual expertise and focus to their practice of law. For example, personal injury lawyers ensure you are properly “made whole” for negligence that results in an injury. These attorneys litigate and resolve cases when a person suffers injuries.

In addition, a skilled personal injury lawyer is familiar with insurance company tactics, guiding you through the PI Auto Claims process. A skilled personal injury claims attorney will normally speak to you at no charge, evaluating your case and (at a minimum) pointing you in the right direction. You have nothing to lose … and everything to gain.

Filing Personal Injury Auto Claims

After a serious automobile crash, reach out to a reputable PI Auto Claims attorney right away. Your attorney will gather evidence to prove the negligence of the third party responsible for your injuries. If they succeed, you may receive compensation to repair your vehicle, pay your medical bills, lost wages, and other necessary long-term care costs.

Please contact Johnson Law today to discuss your PI Auto Claim: (907)277-3090 or use our online contact form.

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

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

Winter Auto Insurance Review And Alaska Requirements: Alaska law requires liability auto insurance for drivers. Alaska law states that drivers must buy at least $50,000 of bodily injury coverage per person and $100,000 of bodily injury coverage per accident. Drivers must also buy $25,000 in property damage protection.

In addition, drivers must prove they have auto insurance at all times. Failure to provide proof of insurance may result in a license suspension.

Why A Winter Auto Insurance Review Is Important For Alaskans

Although Alaska requires minimum auto insurance levels, 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. A winter auto insurance review for additional coverage levels will help you and your family weather the financial loss.

Additional Insurance

Companies offer additional insurance beyond what is a requirement, such as uninsured (UM), under-insured (UIM) and medical payments coverage. These types of coverage are beyond the minimum and protect you in cases where damages exceed at-fault parties insurance available. Contact your insurance sales agent today and ask them to sit down with you for a Winter Auto Insurance Review.

It is worthwhile to contact a personal injury attorney if you have been injured in an automobile accident. An attorney will review evidence in a case to establish negligence of a third-party causing injuries and assist in obtaining information about insurance coverages. If successful in court, a driver with injuries may be able to win compensation for medical bills, lost wages and other reasonable long-term care costs.

When The Unthinkable Happens

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 successful, the driver with injuries may be compensated for medical bills, lost wages, and other reasonable long-term care costs. A winter auto insurance review will make all the difference in your financial recovery. Please call Johnson Law to discuss your auto insurance case: (907)277-3090 or use our online contact form.

This Article is Part 1 of a 6-Part Winter Auto Insurance Review Series. Read these articles for information about Auto Liability Insurance, 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. And while we hope you never need us… We’re here if you do. ~ Doug Johnson

Sources: State of Alaska: Division of Motor Vehicles: Mandatory Insurance

Image Source: Alaska’s News Source: KTVF Fairbanks

Who Is Responsible?

One other factor, material auto accidents throughout the state, is dangerous road conditions. Any road can prove treacherous regardless of whether or not you are familiar with the local terrain. Alaska road conditions can also become extremely dangerous due to severe weather. Lack of proper maintenance and repair is also a culprit.

In Alaska, the government holds a certain level of responsibility for the upkeep of all public roads. Government entities can be held liable for accidents arising from poorly maintained roads, streets and highways. Filing a claim or lawsuit against the government for the purpose of recovering damages involves an entirely different legal process.

After An Accident On Alaska Roads

When an Alaska Road accident seriously injures you or a loved one, contact an experienced Anchorage personal injury attorney. Johnson Law has extensive experience representing auto accident victims throughout the state. Known for our compassion, work ethic, and knowledge of Alaska personal injury law, our firm investigates each claim. Johnson Law gets results. We have recovered more millions of dollars on behalf of our clients. Johnson Law will pursue optimum results for your case as well.

We understand Alaskan Law and it shows in our heart-felt commitment to clients. Our attorneys are familiar with personal injury law and are fully aware of the complexities surrounding Alaska Road accident cases. Johnson Law has more than 30 years combined experience fighting to protect the rights of accident victims throughout Alaska . Clients count on Johnson Law to pursue their claims.

If you are considering a serious injury claim after an Alaska Roads accident, speak to the experienced Alaska personal injury attorneys at Johnson Law, P.C. We know Alaska and Alaskan Law.

If you or a loved one is the victim of a Seward Highway auto accident, do not hesitate to contact Johnson Law for a free case evaluation and find out how we can help. Johnson Law has been serving Alaska auto injury victims for 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.

Images Source: Alaska Department of Transportation (Aneta Synan, 09/27/07)

In Alaska, as in other states, ordinary or civil negligence occurs when someone fails to act with the reasonable care that a prudent person would exercise under similar circumstances, resulting in harm to another. Therefore, Negligence In Alaska is the failure to use reasonable care, which is the amount of care a reasonably careful person would use in the same situation. The reasonable person standard determines whether the person acted with the necessary care in the given situation.

Manufacturer Negligence

A classic example of manufacturer negligence is the Ford Pinto case, where Ford Motor Company knowingly used a flawed fuel tank design that made the Pinto susceptible to explosions in rear-end collisions, and chose not to fix it due to the cost for recall and replacement. Ford’s decision led to numerous injuries and deaths, and the company faced significant legal repercussions. 

The Ford Pinto case, particularly the Grimshaw v. Ford Motor Company (1981) lawsuit, significantly impacted product liability law across the United States, including negligence in Alaska, by shaping the legal landscape and emphasizing corporate responsibility. 

Contributory Negligence

Contributory negligence is when a plaintiff’s conduct increases the chance of an injury. In other words, the person suffering injuries fails to protect himself from the injury. The plaintiff is also negligent because he should have been able to avoid the injury.

For instance, a defective blow torch explodes and blows up seriously injuring a person’s eyes. The injured person did not wear safety goggles. Yes, the torch manufacturer was negligent through selling a defective torch. Unfortunately, the person suffering injuries was also negligent, contributing to their injuries by failing to wear safety goggles. The goggles, may have prevented some portion of injuries. This example is important in understanding negligence in Alaska.

Car crashes often occur due to one or more person’s negligence. In a crash, the person who primarily causes the accident may attempt to blame the other party too. Accordingly, the defendant may try to place some or all liability on the plaintiff. This legal theory is contributory negligence. This legal theory influences negligence in Alaska.

Comparative Negligence In Alaska

In some states, a plaintiff loses his claim if he is even 1% at fault. In Alaska, a comparative negligence system governs negligence claims. Liability is based on each person’s amount of fault for the injuries. If the plaintiff is partly to blame for his injuries, then his damage award reduces proportionally.

 Think of it this way, comparative negligence in Alaska means compensation is often reduced by the plaintiff’s contribution of fault for their injuries. However, when a plaintiff is 50% or greater at fault for injuries, they may not be able to recover any damages at all. 

Understand Law Governing Negligence In Alaska

If you or a family member is hurt due to another person’ negligence in Alaska, get help. An experienced Alaska personal injury attorney will analyze negligence in every case. The attorney will advise you how to proceed.

 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: Alaska Court System; Justia: U.S. Law

Image Source: Alaska Beacon

Some Alaskans want to avoid causing trouble for others and steer clear of conflict. Do not be that person. Deciding against pursuing your rights hurts not only you but also other Alaskans. The person responsible for injuries and damages should be held accountable for their actions. Holding drivers accountable makes Alaska a safer state.

What Does Holding Drivers Accountable Mean?

As the victim of a collision, your primary job is to work toward healing. You should not have to worry about paying for your injuries or repairs to your vehicle. The other party is responsible, so that person should cover your losses. Holding drivers accountable is important. If necessary, victims may have to sue the at-fault party directly for additional losses beyond insurance.

If you have concerns about holding another driver accountable for your damages, talk to an experienced Alaska personal injury attorney about filing a claim on your behalf. While you focus on recovery, your attorney will handle the legal aspects of your case. This is the best way to handle a claim for severe injuries. A good Alaska personal injury attorney will assist with settlement decisions and claim details.

Accountability Makes Alaska Safer

In fact, holding drivers accountable is crucial in Alaska for ensuring responsible use of public resources. It is important to exercise your legal rights and hold others accountable for negligent or unlawful actions. Holding negligent parties accountable protects others from becoming victims later.

Accountability helps ensure that individuals and organizations adopt better behavior and make better decisions. Holding drivers accountable for negligence provides a clear understanding of expectations and consequences. This reduces the likelihood of poor choices throughout Alaska. 

Person held responsible for their actions, are less likely to repeat poor choices. Holding drivers accountable makes Alaska safer.

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 Injury Claims

Image Source: Alaska Itinerary

Practice Safe Driving Techniques

A responsible driver pays close attention to the roadway, reports dangerous drivers, and regularly maintains their vehicle. If a driver fails to practice safe driving in Alaska, that driver may cause an accident and harm to others.

Fortunately, aside from common sense and other safety precautions, there are other ways to make our roads safer. Unlawful and negligent drivers may be brought to justice in both criminal and civil courts under certain circumstances. Criminal court holds unlawful drivers accountable and civil court holds negligent drivers financially accountable for the costs of failing to practice safe driving in Alaska and causing damages.

Keeping negligent and unlawful drivers may be off the roads is important for all Alaskans. Consequently, some drivers must have their license suspended or revoked after causing an auto accident. Practice safe driving in Alaska.

Alaska’s REDDI Program

Alaska Department of Transportation asks Alaskans to: Report Every Dangerous Driver Immediately

The message behind the REDDI program, asks residents to watch for and report drivers who might be a danger to themselves or others, increasing safe driving in Alaska. This includes drivers who are:

• under the influence of drugs or alcohol;
• driving while distracted;
• are too tired to safely operate a vehicle; or
• are exhibiting driving behaviors that might put others at risk, such as swerving, passing on curves, and weaving in and out of lanes.

The above driving behaviors are dangerous and put safe driving in Alaska at risk. Hence, reporting a dangerous driver is as easy as 1-2-3:
1. Get information about the vehicle and driver. This includes:

• the vehicle’s license plate number;
• make and model of the vehicle;
• a description of the driver (or name if you know the person); and
• any identifying characteristics about the vehicle, such as bumper stickers or special design features.

2. If you are driving, stop at a safe place or ask a passenger to make the call.
3. Call 911, and a dispatcher will lead you through the report.

Following An Accident In Alaska

After an accident occurs, it is important to check on everyone involved. First, ensure everyone is safe and no longer at risk of injury. Second, report the accident to 911 as soon as possible. Third, exchange contact and insurance information between all drivers. Finally, take pictures of the accident scene and hold onto any receipts for payments made on related damages. Safe driving in Alaska includes clear, thoughtful action after the unthinkable happens.

Penalties For Failing To Practice Safe Driving In Alaska

In Alaska, a driver failing to practice safe driving and causing injury to another person, through negligence, unlawful behavior, or distracted driving can be held financially responsible for the damages. These include funeral costs in cases of fatal car accidents, medical care, time spent unable to work, permanent or temporary disabilities, court costs, attorneys’ fees, related interests and in extreme cases, punitive damages.

If you are injured in a car accident, please contact an experienced Alaska Personal Injury attorney. 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 auto accident case. We are here to serve you if you are seriously injured in an auto accident.

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

Source: Nemours Teen Health

Image Source: National Safety Compliance

In the United States, teenagers drive less than all but the oldest people. Yet, their numbers of crashes and crash deaths are disproportionately high. Using data from the National Household Travel Survey, the fatal crash rate per mile driven for 16-19 year-olds is nearly 3 times the rate for drivers ages 20 and over. Risk is highest at ages 16-17. How do we help prevent auto accidents involving Alaska teens?

Auto Accidents And Alaska Teens

A significant percentage of Alaska traffic fatalities and major injuries involve teen drivers (ages 14-19). Roughly 20% of fatalities and major injuries on Alaskan roads and highways involve young drivers, according to the Alaska Department of Transportation and Public Facilities. Specifically, Alaska has a high percentage of fatal crashes involving young drivers compared to other states, with 17.1% of all traffic fatalities involving young drivers.

Alaska’s Preventive Measures

Training programs for new drivers prove effective. Every state, including Alaska, requires new drivers under the age of 18 to participate in graduated licensing requirements. These programs often require supervised driving practice as well as to training courses. However, anyone over the age of 18 can obtain a full driver’s license without passing through the graduating licensing requirements. Not surprisingly, the number of deaths caused by 15-17 year old drivers is now less than fatalities associated with drivers between the ages of 18-20.

Graduated License Program For Alaska Teens

In 2004 the Alaska State Legislature started a Graduated Drivers License (GDL) program. The GDL system allows young drivers to pursue their full, unrestricted driver’s license. Before GDL, Alaska only required drivers under 18 to obtain a learner’s permit for 6-months before testing for an unrestricted driver’s license. The GDL adds several important protections for new drivers related to when, where, with whom, and how Alaska teens can drive.

First, the teen driver must earn a Provisional License. Then, they are subject to several driving limitations during the first 6 months. Consequently, graduated licensing rules significantly reduce crash rates for young drivers by eliminating high-risk behaviors through rules such as:

• Prohibiting teens from driving between 1:00 A.M. and 5:00 A.M. unless accompanied by a licensed driver 21 years or older. (The law provides exception for driving to and from work as well as emergencies); and
• Limiting the number of non-family passengers under the age of 21 in vehicles with a teen driver, without a parent or guardian.

Alaska Teens And Auto Accidents

Even the best training programs will not entirely eliminate auto accidents involving teens. The good news is that Alaska teens are subject to the same insurance requirements as Alaska adult drivers. In the State of Alaska, all drivers must have the minimum $50,000 per person and $100,000 per accident bodily injury liability coverage. However, medical costs and lost wages can easily surpass these minimums. As a result, the services of an Alaskan personal injury lawyer become critical.

If you are in a car accident with a teenage driver or any driver, please contact an experienced Alaska personal injury attorney. 

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 auto accident case. We are here to serve you if you are seriously injured in an auto accident.

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

Sources: Federal Highway Administration; Alaska Highway Safety Office

Image Source: AAA Newsroom

The Insurance Institute for Highway Safety reported 42,514 deaths from motor vehicle crashes in the United States in 2022. The National Safety Council shows motor vehicle fatalities in the United States remained at an overwhelmingly high level, with an estimated 44,450 people dying in auto accidents in 2023. 

While there is no obvious reason why the number of deaths in car crashes increased, it’s possible that changes in laws and the number of vehicles on the roads play a significant role in the number of fatal car crashes. Regardless of the reason, it’s necessary to discuss ways to reduce your risk of being in a collision. Here are three ways to help drivers avoid auto accidents:

Pay Attention At All Times

Don’t answer your phone, look away from the road to change the radio, or take unnecessary risks behind the wheel. Focus on the road ahead of you when driving. Distracted drivers causes auto accidents

Avoid Car Crashes Related To Vehicle Failure

Maintain your vehicle with appropriate mechanical services to keep your engine running safely. Routinely check tire pressure, clean car windows and mirrors, keep fuel levels optimal, and monitor other aspects of safety inside the vehicle. A vehicle malfunction could lead to an devastating car crash.

Report Dangerous Drivers

If you see someone driving too fast, too slow, recklessly, or appears intoxicated, report him or her to the police. Even if everything the erratic driver is not drinking, it’s better to make the report than to end up in an auto accident when the erratic driver makes a mistake. An early report could prevent a car crash with another drivers.

Injured In An Auto Accident – What Do I Do After A Car Accident?

First, call 911 and report the car crash to law enforcement. The police secure auto accident scenes. This protects you and others from additional dangers, while preserving evidence. The police also arrange medical help or emergency transportation as necessary. After an auto accident, your first priority should be to accept proper medical help as soon as possible. 

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: Center for Disease Control;  Insurance Institute for Highway Safety; National Safety Council

Image Source: CBC News

Do I Really Need A PI Attorney? 

Some injured people don’t need a personal injury attorney. When injuries are minor, it makes little sense to hire an attorney. When injuries are serious, it usually makes good sense to at least talk to an attorney. It depends on the severity of your injuries. Because we offer a free consultation, you have nothing to lose.

A Car Accident May Change Your Life

Let’s say you wake up in a hospital and the last thing you remember is you were turning right to head home from work. You had a green light and the right of way. Another driver, not paying attention, sped through his red light and struck the side of your vehicle. Your vehicle spins and then rolls into a ditch next to the road. The emergency crew uses the Jaws of Life to extract you from the vehicle. Now, you are struggling with a brain injury, multiple lacerations and broken bones.

Fortunately, you are still alive but now you have several other issues to consider such as medical bills, lost wages, caring for your family and even vehicle repairs. Normally, the at-fault driver’s insurance covers these kind of claims but likely does not consider your best interest.

What To Expect When Choosing A PI Attorney

You should expect your attorney to educate, advise, and represent you as follows:

• Educate you about your rights, the legal basis of your claim and the damages you are able to recover.
• Advise you throughout the recovery process and help you know what to expect.
• Be an effective and honest representative for you.
• Be your voice in dealing with the defendants, insurance adjusters and other attorneys.
• Answer your calls promptly and keep you involved.

When choosing a personal injury attorney, you should also expect: (1) A higher net recovery; (2) an experienced guide; and (3) relief from worry.

What Is A Free Consultation?

A free consultation is exactly that – your initial consultation with Johnson Law cost you no money. It helps you and the attorney get to know each other. Free consultations let you know what it is like to work with our office, and what you can expect. If you are anxious about the expertise of the attorney or the expenses involved, the free consultation period is where you can find out a great deal of information about our firm.

Why Choosing A Personal Injury Attorney Is Important

Research of personal injury claims processed by the injured person, verses claims handled by a personal injury attorney. found that people who hired attorneys received between 2.5 and 3 times what is paid to people who “go on their own.”

Even after paying an attorney 33%, that means you receive almost twice as much. An experienced personal injury attorney guides you through settlement or trial. They equal the playing field when dealing with insurance companies. Hiring a personal injury attorney allows you to focus on your recovery, while your attorney focuses on holding the responsible person accountable for your injuries. Make sure you find an attorney you like and trust.

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: Live Positively; Chambers Medical Group

Image Source: Chambers Medical Group

A PI Attorney Understands A Claims’ Potential

On the other hand, a skilled personal injury lawyer may see the potential that a claim exists … and be willing to investigate.

EXAMPLE: I was once contacted by the parents of “Jason” – a 16 years old male badly injured in a single-vehicle, roll-over crash. Jason’s 17-year-old friend, Harvey, was driving the pickup they occupied when Harvey lost control and rolled the pickup off the road. Because 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. Your claim is denied.”

Related medical/surgical bills exceeded $129,000. Jason looks forward to 60+ years of pain and limited mobility because of this wreck. Jason’s parents didn’t know how to cover the care their son needed. It was time to call a personal injury lawyer and ask questions.

Investigating Claims

Jason’s parents asked us to investigate.

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

A good personal injury lawyer knows that what is needed, is to determine how much of Jason’s injuries were caused by Jason’s failure to wear a seatbelt.

Knowing When To Hire An Expert

The firm hired a certified Accident Reconstruction (AR) expert to help us investigate. The investigation helped determine whether Jason’s lack of a seatbelt contributed to Jason’s injuries. The AR expert/engineer performed extensive tests, most directed to recreating the Crash that he could evaluate structural damage of the pickup. The AR expert finally concluded:

“No. Jason’s failure to wear a seatbelt in no way caused or made Jason’s injuries worse. The roof of the pickup was badly crushed in the crash. Thus, the lack of seatbelt had no bearing on Jason’s injuries. The roof was so badly crushed, it impacted the pickup’s bench seatback. Indeed, if Jason had been wearing a seatbelt, he probably would have died in the Crash.”

Because Jason’s parent’s spoke to a personal injury lawyer instead of letting the insurance company deny their son needed care, Harvey’s insurance company paid Jason full liability “Policy Limits” of $100,000. It also paid Jason full Underinsured Motorist “Policy Limits” of another $100,000. Finally, Jason’s family auto insurance paid Jason another Underinsured Motorist “Policy Limit” of $50,000. The insurance company also paid Jason’s medical bills. Jason is getting the vocational rehabilitation he needs and can look forward to a reasonably well-paying job.

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.

Image Source: 12WBOY

What happens when you are wronged in other ways? How do you know if the law will help you?

When To Hire A Personal Injury Attorney

For example, I am an Alaskan Personal Injury Attorney. I help people hurt (and the families of those killed by) other people’s bad conduct (“negligence”). Usually, the negligence is poor driving – ignoring the Rules of the Road. When a Motor Vehicle Crash – caused by somebody else causes damage to a family or friend – people call me. Some Drunk Driver crossed the center-line, or ran a Stop sign … and Crashed into them. When this happens, it really is not too difficult to conclude that the Drunk Driver engaged was wrong or negligent. We all agree that accountability is good. The law should help people who are injured, and the families of those who are killed, by drunk drivers. Hiring a lawyer helps hold drunk drivers fully accountable, making society batter.

But what about situations where a person is hurt … and it is unclear whether bad conduct was involved? How is a person like you to learn whether another person engaged in the type of bad conduct that give rise to a tort claim for injury or death? Hiring a lawyer to investigate potential claims helps you through these situations.

Arguing With Insurance Companies

Or, what about situations where an insurance company tells you “there is no claim here,” “there is no coverage for that loss,” or “there is nothing we can do for you”? What should you do then? A good personal injury attorney argues with the insurance company so that you don’t have to…

The answer is simple: You can either: (1) Wilt away and let it drop; or (2) Find a good attorney to investigate for you. Hiring a lawyer is the smart choice. Most good Personal Injury attorneys are willing to expend the time and money necessary to investigate potential injury and death claims. We foot the bill to hire investigators, collect the records, do the legal, engineer, and medical research to determine whether a claim exists.

It is part of our job. We also usually do it gratis: No charge.

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.

Image Source: WSBT 22

After A Car Crash

Afterward, you will think about the wreck. Questions will arise: Why me? Why my friend, family member, spouse, or partner? What could we have done differently?

During your recovery as a car crash passenger, many people will tell you that you are “lucky” and should be grateful. At the center of importance is understanding you have been injured and have every right to be angry. In addition, you might spend hours, days, even weeks obsessing over the wreck. You may be angry. Furthermore, you might feel guilty.

Ask For The Help You Need

In our experience, we’ve found the following helpful for car crash passengers:

• First – Get proper medical care for physical injuries. It is critical to work with your doctors for full recovery from physical injuries if you are a car crash passenger.
• Second – Seek care for injuries such as anger, guilt and fear. Find a therapist you like and fit appointments into your schedule. Talking with a specialist about your anger, pain and suffering as a car crash passenger is important to healing. A good counselor will suggest therapy that fits your needs.
• Third – Ask for help recovering what you lost as a car crash passenger. Call an attorney and ask questions. An experienced personal injury attorney will review all resources, including insurance policies, to determine how best to recover costs for your treatment and other losses. Car crash losses may include medical bills, wages, therapy, prescriptions and more.

Medical Payments Coverage For Car Crash Passengers

Medical Payments (MedPay) covers medical bills and health insurance copays or deductibles for treatment related to injuries from a crash. MedPay insurance provides coverage to the driver and the passengers after a car accident no matter who was at fault. 

Most importantly, MedPay provides coverage when you or your family members get hit by a vehicle in someone else’s car. When adding MedPay to your policy, ask the following questions:

• Does your health insurance have high deductibles?
• Are you concerned about paying out of pocket for medical expenses if you’re in an auto accident?

Revisiting both your auto insurance and health insurance coverage are helpful when determining how much MedPay is needed for you and your family.

Finally, a car crash is frightening. If you are a car crash passenger, ask for help. The right help ensures better recovery from your injuries.

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: Nerdewallet; RateForce

Image Source: USA Today

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

Alcohol Facts

Alcohol has many negative impacts when over-consumed. Excessive drinking can cause severe health consequences. Some people suffer significant memory loss and lose their sense of inhibition, causing them to act in unusual ways when consuming alcohol. Drinking can also cause blurry vision, loss of balance, slurring speech, loss of coordination, and lost control of body movements. Further, frequent drinking can cause aggressive behaviors, such as verbal or physical abuse to oneself or others. These components are dangerous components to drinking and driving in Alaska.

Repeatedly consuming alcohol in excessive amounts can lead to alcohol use disorder (AUD). AUD affects roughly 15 million adult Americans and nearly half a million youth between 12 – 17 years old. Too much alcohol in the bloodstream seriously impacts mental and physical functions, especially dangerous when drinking and driving. High blood alcohol content can cause severe effects such as difficulty remaining conscious or seizures. Alcohol overdose can lead to life long health complications, or even death.

While under the influence of alcohol, a person’s decision-making skills are compromised, leading to risky or unsafe situations. Some people choose to drive under the influence of alcohol. Driving under the influence is one of the most dangerous risks of overly consuming alcohol and puts multiple people at risk. Driving and driving in Alaska makes roads more dangerous for everyone.

Lives are Lost in Drinking and Driving Accident Every Year.

Statistics state that 37 people in the United States dies each day due to drinking and driving. In 2022, 13,524 people were killed in alcohol-impaired crashes. Alcohol-impaired driving crashes involve at least one driver or motorcycle operator with a blood alcohol concentration (BAC) of 0.08 or higher, including 283 children between the ages of 0 and 14. Young people are at a higher risk of being hurt in an accident, regardless of the level of intoxication.

Fatal crashes involving drivers with a blood alcohol content greater than 0.08% appear more often towards the younger side of the age spectrum. Drivers between the ages of 21 and 24 account for a third of all intoxication influenced traffic fatalities. Help stop drinking and driving in Alaska.

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.

Fact Sources: National Safety Council; National Institute on Drug Abuse; US DOT

Image Source: Anchorage Daily News