Car Insurance in Alaska
Having good car insurance in Alaska is a must. 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.
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. To get instruction permit driver must be at least 14 years old. They must have a learner’s permit for six months with 40 hours of supervised driving. After the 40 hours they are able to apply for a license.
Teen drivers will hold a provisional license until the age of 18. The law requires them to have a driver older than 21 years with them in the car. Teenage drivers are not allowed to be on the road between 1:00 am and 5:00 am.
Failure to Have Car Insurance
The drivers that do not purchase car insurance in Alaska face fines and penalties. Driver need minimum amount of liability insurance to drive a car. Those not meeting the minimum insurance requirement could face driver’s license suspension.
Drivers need to have a copy of their insurance in possession. 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. This might be advantageous for you. It is always amazing to pay attention to car insurance deals for better coverage.