Alaska Auto Insurance

Tips about Your Alaska Auto Insurance Policy
Although bush planes, boats, snowmobiles and dog sleds are commonly utilized methods of transportation in Alaska, the state has some of the toughest laws concerning liability insurance anywhere in the country. Auto insurance in Alaska is mandatory and the state requires every driver to be financially responsible in the case of bodily or property injury for any third parties. And let's face it, the state government and Alaska is no different than any other: they wish to eliminate financial irresponsibility for all drivers.

Auto insurance regulations:
There are minimum coverage limits concerning liability insurance in Alaska – and they are rated as the highest of all US states. A minimum of $50,000 coverage is required for the injury and/or death of any individual in any given accident. Further, a minimum of $100,000 coverage must be in effect for the total injuries and/or deaths for any given accident. In addition, you must maintain a minimum of $25,000 coverage for any damages to property. The state has set these high requirements in order to keep the number of uninsured and underinsured motorists' lawsuits to a minimum.

You are required by law to maintain your liability insurance minimum coverage limits at all times. Any time that you have a vehicle on a road, highway, or even parked on public property; it must be insured according to the minimal requirements. Furthermore, if you're ever involved in an accident, regardless if you are at fault or not, you must be able to show that you indeed are covered according to the minimum coverage requirements. Police in Alaska do carry a Certificate of Insurance form in their cars that you may fill out if you do not happen to have your insurance card on you.

If you're unable to show proof of your Alaskan auto insurance, the Department of Motor Vehicles will suspend your driving privileges for a time period of no less than 90 days and up to an entire year. And it does not matter if the accident was your fault or not.

Stiff penalties for uninsured driving are the norm in Alaska. These drastic penalties are definitely very powerful determining factors that make Alaska have one of the lowest rates for uninsured and underinsured motorists' lawsuits in the country. You can learn more about auto insurance in Alaska and about how to save money on your car insurance by visiting: www.commerce.state.ak.us/insurance/