Driving without insurance is illegal in Alaska. There are, however, some exceptions. In areas where vehicle registration is not required, neither is insurance unless the vehicle owner has had at least 6 points assessed against their license in the last five years.
If you are caught driving a registered car without insurance, you can face the suspension of your driver’s license and have your car impounded. An estimated 15.4% of all drivers in this state are operating uninsured vehicles. This can cause headaches for you if one of these uninsured drivers is responsible for a collision with your car.
The at-fault driver is responsible for covering your damage and any needed medical treatment. However, if an uninsured driver simply doesn’t have the money available, you may need to go through an expensive and time-consuming lawsuit just to collect a fraction of what is due to you.
That is why uninsured motorist insurance can prove so beneficial. This optional coverage can pay for your vehicle’s repairs and your medical expenses if you are in an accident caused by an uninsured, underinsured, or hit-and-run driver. Your insurance company will then take on the responsibility of trying to collect the money owed from the at-fault driver.
In Alaska, all car insurance companies must offer uninsured/underinsured motorist coverage. If you opt not to purchase it, you must do so in writing.