In Alaska, state law requires people to carry insurance coverage on their vehicles. A crash involving a driver without proper coverage can leave the driver personally liable for 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.
Penalties For Driving Without Insurance
If someone is not insured and you can’t collect from insurance following an accident, the Department of Motor Vehicles (DMV) may suspend the driver’s license until you are paid in full in accordance with any judgment made by the court. There is a mandatory insurance law in the state, so being uninsured violates state law.
According to the mandatory insurance law, the vehicle owner or driver has to have liability coverage on a vehicle. The minimum coverage the person has to have is $25,000 for property damage and $50,000/$100,000 for injuries or death. Drivers who do not carry this coverage will lose their license for at least 90 days when unable to produce proof of insurance. This keeps them off of the roads while they make required payments for your care and financial losses.
The Financial Responsibility law requires anyone who hits you to pay for your losses, whether or not he or she carries insurance. If he or she makes a settlement with you, the driver is then able to regain his or her license upon court approval.
For further information or to schedule a consultation please contact Merdes Law Office, P.C. at 866.452.3741 or visit www.merdes.com. And while we hope you never need us … We’re here if you do.
