Alaska law requires driver to carry a minimum of $50,000 automobile liability insurance coverage. Unfortunatley, a lot of people do not carry car insurance. In 2011, the Insurance Research Council found that 1 in 7 drivers in this country do not have auto insurance. If you are involved in an accident with an uninsured river, the ramifications can be substantial.
What Does it Mean if the Other Driver is Uninsured?
In Alaska, the at-fault driver is responsible for paying for damages and injuries to the other driver. If the at-fault driver has no insurance, you will not be compensated through another insurance company. In this scenario, you could file a lawsuit against the at-fault driver. But if the at-fault driver wasn’t paying for auto insurance, it’s possible they won’t be able to pay for your damages.
Under these circumstances, your medical bills can be paid by your health insurance, and collision coverage can help you with auto-repair costs. However, in both cases you will be stuck with unmet deductible costs. As for lost wages and pain and suffering, you’re on your own.
Every driver should purchase uninsured/underinsured (UM/UIM) motorist insurance. It’s a great preventive measure to counter an otherwise dire situation. If the at-fault driver doesn’t have any, or enough, insurance to cover your damages, your UM/UIM policy will cover you up to the policy limits. It’s relatively inexpensive, so buy as much as you reasonably can. You can read more about uninsured motorist coverage in our Frequently Asked Questions section.
Take Action Quickly
In order to protect your rights, it is important to contact a lawyer so that you can take action as soon as possible. The sooner that you take action, the more likely it is that evidence will be available to help you prove your claim and that the more likely it is that you will get a fair recovery sooner.
We encourage you to contact us today via this website or by phone to schedule a free, no-obligation, confidential consultation with attorney Ben Crittenden. After that, you can make an informed decision about how to protect your legal rights.