Are you looking for auto insurance in the state of Alaska? You will need to know what the statues say about insurance coverage. If you do some research before you talk to your agent, you will be able to make a responsible choice concerning your auto insurance.

Alaska law requires you to carry liability insurance. You must have a copy of this policy with you when you are driving. Many people put it in the glove compartment with the car registration. It is against the law to drive the car without liability insurance. If you are caught driving without insurance, your license will be suspended. If you are in an accident and it is your fault, liability insurance coverage applies. The policy will pay up to $25.000 in property damage for the other person's car. An adjuster will determine if the car is repairable or will need to be totaled. Your policy will need to cover the physical injuries in the accident. $100,000. is the maximum amount that will be paid. That will cover the medical bills, the funeral expenses and loss of time from work. $50,000 is the maximum amount of coverage on the individuals who were in the car at the time of the accident. You will have no coverage on yourself or your car.

Collision insurance is not required in Alaska. You may have to buy it if you are financing your automobile. It will pay for any damages to your car if you are in an accident and it is your fault. There is usually a deductible involved. That is the amount you are required to pay before your insurance company will pay their share. Comprehensive insurance is similar, but it covers you if someone steals your car or you break a window. The two are usually purchased together. All though the state of Alaska does not require you to have this type of insurance, it is a good idea to have it on your car.

Uninsured motorist coverage has a section for bodily injuries and one for property damage. This part of the policy is to cover you if you are in an accident and the other driver is all fault. Maybe he does not have insurance. It is not a problem, because you insurance policy will cover you and your car.

When your insurance agent shows you a copy of the policy you are going to buy, it must include a section that says you are being offered uninsured motorist coverage. You can choose to buy the personal bodily injury clause or the property damage clause. You may reject one or both. It will require a signature to show that you have been offered this coverage.

Insurance coverage is so important and never to be taken lightly. It can be expensive, but it is necessary. Never drive without it or get in a car with someone who's car in not covered by auto insurance. Learn all you can about insurance. It is the responsible thing to do.