Being the largest state in the country with a rugged and remote climate, driving may be extremely difficult for those that are not used to it. Most parts of the state are accessible by either using air or water transport; this is because the roads operate only to a small part of the state. Hence this makes it mandatory for those who drive or travel through any other means of transport to have car insurance.
Despite having costly insurance, with the proper planning and smart shopping, you will be able to get the best and affordable car insurance.
To be able to find the best car insurance online, you have to stay up to date with the Alaska laws and requirements.
Alaska Minimum Coverage Requirements
Alaska requires minimum liability insurance in case of an accident. This coverage is the only one carried under the Alaska law. It protects you from the claims made by others for the damages that arise from an accident that you caused.
The table below shows the coverage required in Alaska and its types;
|Coverage||Requirements In Alaska|
|Bodily Injury Liability. It covers the expenses resulting from an accident caused by you. It is made to the victim of the accident||$50,000 per person or $100,000 total for all|
|Property Damage Liability. This covers the damages to another person’s property when the accident was your fault. This applies to houses, land or other structures.||$25,000 for the damage to one’s property|
Other types of coverage like that to an uninsured or underinsured motorist, medical expenses, collision or comprehensive are all not required according to Alaska laws. However, when you are leasing or financing your car, these may be required by your lender.
In Alaska, proof of financial responsibility is required to drive. To be able to prove this, you have to buy car insurance and must always have your card with you to prevent penalties.
There are certain parts of Alaska where registration of Alaska drivers isn’t required.
Driving Laws for Alaska Teenagers
There are specific laws for teens in Alaska. They must be at least 14 years to be given an instruction permit. They must have a learner’s permit for six months with 40 hours of supervised driving to be able to apply for a license.
Teen drivers will hold a provisional license until the age of 18. With this, they are required to have a driver older than 21 years with them in the car and not allowed to be on the road between 1:00 am and 5:00 am.
Failure to Have Car Insurance
The drivers that opt not to purchase car insurance in Alaska face fines and penalties. Each driver who is registered must have at least the legally required minimum amount of liability insurance and those caught not to be having car insurance will be given a drivers license suspension.
Drivers must have a copy of their insurance in possession since the failure to prove you have car insurance has the same consequences as not having insurance.
Alaska has mandatory insurance coverage that is higher than some states but may be advantageous for you. It is always amazing to pay attention to car insurance deals for better coverage.