When Alaskan drivers are involved in automobile accidents, the insurance claims process can be complex, confusing, and overwhelming. Insurance companies carefully evaluate the details of each claim, in an effort to pay out as little as possible.
Alaska Is an “At-Fault” State
Alaska is an at-fault state for insurance purposes. This means that the driver who caused the accident is generally responsible for any property damage, medical bills, and other losses stemming from the collision. Insured drivers have several options for receiving compensation for an accident, including:
- Filing a claim with their own insurance companies.
- Filing a third-party claim (a claim filed with the other driver’s insurance company).
- Filing a personal injury lawsuit.
Types of Insurance
Alaska residents can purchase a wide variety of insurance products. Each of these may provide a financial cushion in case of misfortune. The events that trigger an insurance payout will be limited by the provisions of the policy, so a policyholder should review his insurance coverage often to make sure it covers all important risks.
Among the types of insurance you may wish to consider are the following:
- Collision. This type of insurance pays for damage to your car resulting from a traffic accident.
- Comprehensive insurance pays for non-collision damage to your car, such as theft, fire, or vandalism.
- Bodily injury insurance pays the medical bills and related costs if you’re at fault in an accident that injures or kills someone.
- Property damage liability. This coverage pays for any property damage if you’re at fault in an accident.
- Personal injury protection insurance pays your medical bills regardless of who is at fault.
- Uninsured motorist insurance compensates you if an uninsured driver is at fault.
- Underinsured motorist insurance compensates you if another driver with insufficient insurance coverage is at fault.
Complications frequently arise when you’re dealing with insurance companies. Alaska law requires all drivers to carry automobile insurance, but not all of them do. Furthermore, damages can quickly rise above policy limits, or the insurer may simply deny the claim altogether.
If you dispute the amount an insurance company is willing to pay, many insurers will require you to file suit within two years of the accident. Having an auto accident lawyer is key to getting the compensation you deserve. If you have unanswered questions about your Alaska auto accident case, contact the Law Office of Ben Crittenden.
- Our Free Car Accident Guide Gives You the Information You MUST Know After a Crash
- What to Do When You’re Involved in an Accident With an Uninsured Driver
- A Sampling of Insurance Industry Tactics