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Next, you want to be sure that you are covered in the event any property damage
is done. Property damage protects you against a claim for damages to either
another vehicle or property in an accident for which you are liable. The third
number (50/100/25) tells you how much your alaska auto insurance will cover for property
damage in any one accident.
Alaska is known as a tort state, which means that you are financially
responsible for the damage and injury you cause to another in an auto accident.
Liability coverage helps insure you against these costs, and it is required
by law.
Alaska auto insurance quotes are decided by the behavior of the state's drivers
as a whole. Alaskan auto insurance companies take the cost of insuring all drivers
(this includes what they pay out for injury and damage, legal and administrative
fees, and the cost of prosecuting insurance fraud) and divide it up among the
drivers. But these costs aren't spread around evenly. Instead, Alaska car insurance
providers calculate how much a certain "category" of driver costs
them, and decide alaska auto insurance premiums based on that. The "category" you're in
is decided by your driving record, your age, where you live, and the kind of
car you drive, among other things.
Alaskans on average paid about $1,110 in auto insurance premiums in 2003, compared to the national average of about $914. Most people believe all these alaska auto insurance rates are fixed by alaska automobile insurance companies and state regulatory agencies, but in reality discounted and competitive alaska car insurance rates are available in Alaska.
Even within the state of Alaska, auto insurance rates have changed over the past few years. Comparing the current alaska car insurance rate to the numbers from a few years back, the average alaska auto insurance premium in 1999 was about $896, that's an increase of about 23.88% in 4 years!
Bodily injury liability does not protect you or your car directly in a claim
brought by someone else against you. Bodily injury coverage applies in an accident
for which you are liable (at fault). This protects you in claims for damages
including medical expenses, lost wages and pain and suffering. This coverage
also applies for a member of your family driving your car or someone else driving
with your consent. For example, Alaska requires a minimum of 50/100/25 liability
coverage. The first number is the amount that the insurance will cover for any
one person ($50,000). The second number is the total amount the alaska auto insurance company will
pay for all persons injured in an accident.
Underinsured or uninsured motorist (UM/UIM) coverage pays for you, members
of your family in your household and occupants of your automobile for personal
injuries caused by a hit and run driver or an uninsured motorist. This coverage
basically replaces the insurance the other driver should have bought but did
not.
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