Car Insurance Laws Alaska
Reader’s Question:
My friend is a Russian citizen and is here in Alaska on a student visa. She doesn’t hold a green card. She got a driver’s license in Alaska but drives an uninsured car. Could tell me
what are the car insurance laws and legal issues of not having a car insurance, particularly for a non-US citizen?
Amelie
Anchorage AK
The Mandatory Insurance and Financial Responsibility laws of Alaska would like to ensure that, in an accident where injury and damage to property could occur because of a vehicle collision, drivers and owners are financially responsible. The law would also like to remove from Alaska highways those drivers who are financially irresponsible. According to the Mandatory Insurance law, drivers and vehicle owners, whose vehicle is subject to registration, must have motor vehicle liability insurance, which meets the state’s minimum requirement, since the car is driven on the pubic property of the state of Alaska. This can be found on the Alaska Statute (AS) 28.22.101.
If your Russian-citizen friend fails to provide the proof of liability insurance, the Alaska Division of Motor Vehicles will have her license suspended. Her privilege to drive and obtain a driver’s license are also suspended. This period of suspension may range from 3 months to 1 year. Your friend’s vehicle may also be impounded if she fails to show a proof financial responsibility.
The US Customs and Border Patrol (CBP) advises those who are non-US citizens and plans to come back to US to abide the state’s traffic laws and settle their tickets. Unless there is a warrant, law enforcing officers will not arrest them because of issues with the DMV of the state. However, there will be an intensive inspection on that person if the record is cleared.
Low Cost Auto Insurance In Alaska
Readers Question:
its my first time to buy auto insurance. Where can I find low cost ones in Alaska?
Randy
Juneau AK
Searching for auto insurance that best suits your needs can be a very costly one if you end up getting insurance coverage that you dont really need. If this is your first time to purchase auto insurance in Alaska, there are some steps you can take to ensure that your not wasting time or money when trying to find one.
First of all, in getting auto insurance in Alaska, know that it is mandatory for you to get at least the minimum required liability coverage. In Alaska, the minimum liability limits are $50000 for Bodily Injury Liability for every injured person, $100000 for every accident and $25000 for the Property Damage Liability. Of course, if you want your insurance company to cover more than the minimum, you can always opt to set your limits to a higher amount./p
Take down some important notes about your driving profile and your cars profile. Check your driving record. Do you have a clean one or have you gotten quite a lot of tickets in the past? How old are you? How much are you willing to pay or are you capable of paying for insurance? How often will you be driving your car? Do you drive your car for long distances? Do a lot of crimes happen in your neighborhood? Is your car a new, expensive one or an old clunker that looks like its about to go anytime soon? What do you want the insurance company to pay for if there is ever any accident?
When you’ve finally gotten your answers to these questions, you can do some quick searching on the internet for the different types of coverage you can get. Some of these are Liability, Personal Injury Protection, Medical Coverage, Collision, Comprehensive, Uninsured Motorist and Under insured Motorist.
Knowing the coverage you need saves you from spending extra amounts on those that arent really applicable to your situation. There is no point in spending additional insurance for a car whose current value may be less than the amount youll be paying.
Auto Insurance In Alaska
Readers Question
My boyfriend will be insuring his auto soon. What important information can you tell us about auto insurance in Alaska?
Beth
Anchorage, AK
In most cases, liability coverage is the only type of auto insurance that is required in the state of Alaska. To be specific, the auto insurance in Alaska requires the minimum liability coverage of:
$50,000 for every person for Bodily Injury
$100,000 for every accident for Bodily Injury
$25,000 for every accident for Property Damage.
Meanwhile, according to Alaska Statute 28.22.019, whenever you operate your vehicle you must present a document providing proof that you have the required auto insurance coverage here. Also, if you get involved in an accident that resulted to other people or properties damage of more than $501, you will be required to show proof of auto insurance. Failure to do this could result to suspension of your driving privileges and to have your licenses reinstated you must provide proof of financial responsibility in the form of SR22.
On the other hand, if you are wondering on how you can save on your auto insurance in Alaska, you may want to check these discounts
Multiple Vehicle Discount: Majority of auto insurance carriers offer this kind of discount if you will be insuring more than one vehicle. According to statistics, families who have more than one vehicle insured under the same auto insurance provider have better than average claims experience
Drivers Education Program: Discounts offered for this are targeted mainly for younger and mature drivers. If you have enrolled in such course, you may get a discount from your auto insurance provider.
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