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Mandatory Insurance Law
Alaska requires you to either purchase car insurance or be able to show proof of financial responsibility at all times in case of accident. Failure to do so can mean suspension of your driver's license.
As of July 1, 2002, you must carry proof of Alaska car insurance in your vehicle or immediate possession. This includes either a copy of your policy, a certificate of self-insurance, or an Alaska car insurance identification card.
What the State Requires
Liability coverage, the only type of Alaska car insurance you must purchase, protects you from claims made by others when you are at fault in an accident.
Liability includes two types of protection: bodily injury (BI) and property damage.
Bodily injury pays for medical costs, loss of income and funeral costs associated with others who are injured or killed as a result of your negligence. Alaska requires you to insure for $50,000 per person and $100,000 per accident in bodily injury liability.
Property damage covers the cost of repairing or replacing others' property damaged through your negligence. The state of Alaska requires you to carry at least $25,000 in property damage per accident.
Experts recommend purchasing higher limits of both bodily injury and property damage than what the state requires. How much of each type of Alaska car insurance you need depends mostly on the cost of medical treatment and vehicle repair in your area.
Other Coverages to Consider
When you speak with an Alaska car insurance provider, you may be offered optional coverages in addition to liability. Because liability pays only for damage incurred by the other driver, you may want to consider purchasing coverage that protects yourself and your own property, too.
Some personal protections consist of:
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