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Uninsured/Underinsured Motorist Accidents Archives

Crashed? Here's what to know about under or uninsured drivers

If you're in a crash with an uninsured driver, then that person is in some trouble with the law. You, on the other hand, need to find a way to recover your losses from that individual. That may mean suing for what you're owed.

Using your underinsured or uninsured motorist coverage

Uninsured or underinsured motorist coverage is a kind of coverage that helps you protect yourself in the case that you're involved in an accident with someone who does not have enough coverage to settle with you for damages or injuries. This coverage is something you have to purchase, but it gives you peace of mind, since you know that you have coverage no matter what kind of accident you get into.

Alaskan law requires insurance, or there are harsh penalties

In Alaska, people are required to carry insurance on their vehicles. A driver who is not carrying proper insurance and who gets into a crash can be held personally liable for any injuries or damages caused. According to state law, any vehicle owners or drivers can be held liable; if someone is driving a vehicle and another person owns it, you may have two options for pursuing compensation.

Is underinsured motorist insurance necessary?

In your mind, you may believe that everyone is just like you. Reasonable, respectful and diligent about keeping up with car insurance. The truth is that not everyone keeps car insurance, even though it's required by law. As a result, If you're in a crash with one of those people, you could struggle to get paid.

What happens if insurance isn't enough for a victim's claim?

Imagine driving on the highway in Alaska. You are having a good day, and you're enjoying your trip. Suddenly, someone pulls out in front of you, and you have no time to stop. They cause a serious accident, and you are left with thousands of dollars in medical bills.

Laws require insurance in Alaska when you drive

With both financial responsibility and mandatory insurance laws, Alaska has the laws necessary to protect the public from uninsured drivers. The laws give the Division of Motor Vehicles (DMV) the right to remove those who violate the financial laws of the state from the roads for failing to have car insurance.

Does car insurance follow the driver or vehicle?

Nothing is quite as bad as asking for a driver's insurance after a collision and finding out that he or she is uninsured. An uninsured driver may not have the funds to repay you for the damage caused, and he or she may not be able to cover your medical bills.

Hit by an uninsured driver? Here's your options

After you've been in a car accident, one of the first things you'll probably be concerned about is what happens if the driver doesn't have insurance. Auto insurance is compulsory in every state in the U.S., and you must have the state's minimum legal requirements to drive. Despite this, approximately one in seven drivers do not have car insurance at all, based on research by the Insurance Research Council from 2011.

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