Uninsured Motorist Coverage: Alaska

Trying to figure out whether you should get Alaska uninsured motorist insurance? Even though uninsured motorist coverage is not required by law for drivers in Alaska, you need to get it, as recent studies carried out by the Insurance Research Council show that no less than 15% of Alaska adults are driving without insurance.

Basically, uninsured motorist insurance is a protection under which the policyholder’s insurance provider will pay for damages caused by a driver that is without car liability coverage or that carries below the amount of car insurance required by the state, or is underinsured. UM/UIM coverage is frequently called Alaska hit-and-run insurance coverage.

Without a doubt, it definitely seems unjust that you might be forced to pay off health expenses sustained after an accident with a motorist who was uninsured, which explains why Alaska uninsured motorist coverage can be so essential. Regardless of whether you’d like to add an uninsured motorist clause to your current policy or secure a new plan altogether, we will help you reduce costs while being covered from the 106,535 motorists in Alaska that are without auto insurance. It is crucial to compare rates on Alaska uninsured motorist coverage between insurers. For that reason we allow you to compare rates from the leading providers of Alaska UM/UIM coverage – online!

Alaska Uninsured Motorist Law

As stated above, this type of protection is not mandatory if you live in Alaska. To be properly insured in the state of Alaska, a person needs to have a certain level of insurance. Here’s the liability protections they will need to have:

  1. For a single individual injured in an accident: $50,000
  2. For all persons injured in an accident: $100,000
  3. For property damage in an accident: $25,000

If she or he doesn’t carry this amount of coverage, a driver will be underinsured. In such a case, uninsured motorist coverage should pay the disparity between the amount the motorist at fault can pay, and the amount that is due.

Injured By Uninsured Vehicle in Alaska?

Those who have been hit by an uninsured motorist might have the legal right to seek payment for damages. In practically every state, it is regarded as against the law for a driver to be without insurance, and may be treated as criminal. Of course, it’s critical to ask legal advice to examine your uninsured driver or hit and run case.