subject: Alaska Auto Insurance - Your Minimum Liability Coverage [print this page] Alaska Auto Insurance - Your Minimum Liability Coverage
One thing that every driver in Alaska should have known by now is that there is always a minimum coverage required by law for every driver to have before they can drive legally in the state. Just in case you are not aware of this, we would look at what the state of Alaska requires as minimum liability coverage for every driver.
First, we would need to define liability coverage.
Liability coverage refers to a policy that protects you from the financial responsibility of accidents in which you are at fault. The state by asking for the minimum liability coverage wants to protect other road users from your possible carelessness.
The state of Alaska requires a minimum coverage of $50,000 for bodily injury per individual. There is also a $100,000 minimum liability coverage for bodily injury per accident. Bodily injury coverages here refer to costs arising from medical expenses, funeral costs, loss of income etc because of an accident in which you were at fault.
The state of Alaska also requires a minimum coverage of $25,000 for property damaged as a result of the accident.
You would have noticed that the above listed coverages offers you no cover for yourself or your property. It is strongly advised that you get not just the state's required minimum as this may not be enough. You need to be well covered for yourself and your property and your liability coverage should also be sufficient to handle liabilities that exceed the state's minimum. People have been known to lose their homes, savings and more just because they did not have enough coverage to meet the liabilities that arose in form of legal fees, court costs, and other damages.
We know that auto insurance can be expensive which is why we would try to find a way of helping drivers in Alaska find affordable auto insurance coverage. Is this possible? Yes!
The simplest thing you can do is to find out from your insurance agent the discounts you can qualify so as to reduce your rates. There are a number of discounts you can get that result in very significant savings for you. Getting affordable auto insurance starts with taking time to compare quick auto insurance quotes. When you compare quotes, you put yourself in a position to find and access the most affordable insurance policy available.
Be sure to ask your agent about discounts available. You can also get in touch with Alaska Division of Insurance at 907 465-2515 for more information that would help you get the most out of your car insurance coverage.
Do not forget to get and compare your free quotes now.
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