Car accidents are unfortunately a rather common occurrence in Alaska and across the United States. If you or someone you love has been involved in a traffic accident in Anchorage, it may be a small consolation to be aware that your car insurance coverage, as well as the other driver’s, will kick in to help cover the cost of some of the expenses related to the accident. Some common expenses related to auto accidents include medical bills, property damage costs, and potentially lost wages due to injury recovery time.
In some scenarios, the other driver involved in the collision may be underinsured, or not insured at all. Or in a situation where a hit-and-run driver struck you/your vehicle, you may not have the option to even identify the other driver, let alone gather their insurance information. This article will address some options available to you in these types of situations.
Underinsured & Uninsured Motorist Coverage in Anchorage
In the city of Anchorage, car insurance companies will offer drivers underinsured motorist coverage, uninsured motorist coverage, and uninsured property damage. These types of insurance coverage will pay for things like injury costs and property damage expenses in the event that a driver responsible for an accident does not carry insurance, or does not carry enough insurance.
Uninsured/underinsured motorist bodily injury insurance is designed to cover medical bills, pain and suffering, and lost wages of yours and those traveling in your vehicle at the time of a crash who may have become injured.
If you become injured in an accident caused by another driver who has no car insurance, you will have to turn to your own insurance company in order to cover the cost of your injuries and resulting damages. Uninsured motorist insurance is essentially additional coverage that you are able to purchase from your insurance company that guarantees you will be covered in the event that the other driver has no insurance, but caused your injuries.
Alaska Car Insurance Minimums
Uninsured motorist coverage is only required in a handful of states. According to the Alaska Department of Transportation along with the Alaska Department of Commerce, in some counties in Alaska, car insurance is not required at all. However, as stated above, car insurance companies in Alaska are required to at least offer uninsured/underinsured motorist coverage to drivers. Uninsured motorist coverage usually will not exceed your standard liability coverage amount.
The standard coverage amounts in Alaska are as follows:
- $15,000 bodily injury per individual
- $30,000 bodily injury per crash
- $10,000 property damage per crash
In order to legally operate a registered motor vehicle in most states, you must possess car insurance by law. However, many drivers do not do this, putting others at risk for facing mounting costs if involved in an accident with them. The best way to protect yourself and your passengers is to carry uninsured/underinsured motorist coverage, just in case.
The amount of time you have to make an uninsured/underinsured motorist claim in most states, including Alaska, is limited. For this reason, it is imperative to contact your insurance company as soon as possible after your accident.
Alaska is an at-fault state, which means that lawsuits may be filed against negligent drivers. If you or a loved one of yours becomes injured in an Anchorage accident due to a negligent, reckless, or careless driver, you have the option to file a car accident claim with an Anchorage personal injury lawyer in order to collect financial compensation for your injuries and losses.
The Law Office of Jason Skala has been in the business of providing injured accident victims and their families with just financial compensation for their injuries and incurred losses for many years. We work diligently on your behalf in order to ensure you are taken care of through the aftermath of your accident, in the event that another driver caused your injuries due to their negligent actions while on the road.
Contact our law firm today at 907-569-6633 in order to be connected with a reputable and knowledgeable car accident attorney in Alaska who will be able to help you move forward from your accident and the aftermath that followed.