Alaska · Uninsured driver · Updated Oct 2026

Hit by an uninsured driver in Alaska: coverage, penalties and what to do

Your coverage, the penalties and how to claim your losses.

Short answer

Every Alaska policy includes UM/UIM coverage unless you rejected it in writing; it pays for your injuries and damage to your covered vehicle (usually after a $250 deductible). Uninsured and underinsured motorist coverage (UM/UIM) must be included in the same amounts (50/100/25), unless you reject it in writing.

Uninsured motorist (UM) coverage
Included unless you reject it
Minimum liability
50/100/25
Insurance system
Fault (tort)

Uninsured motorist coverage in Alaska

Uninsured / underinsured motorist (UM/UIM)
Uninsured and underinsured motorist coverage (UM/UIM) must be included in the same amounts (50/100/25), unless you reject it in writing. The UM property damage part covers only your vehicle, not loss of use, and has a $250 deductible unless the insurer offers a different one (AS 28.22.101(e), 28.22.201).
Liability minimum
50/100/25
Official text
Read the official text

Compare every state in the minimum insurance table.

If the other driver has no insurance in Alaska

  • Every Alaska policy includes UM/UIM coverage unless you rejected it in writing; it pays for your injuries and damage to your covered vehicle (usually after a $250 deductible).
  • For a hit-and-run, report it to the authorities within 24 hours so the other vehicle is presumed uninsured (AS 28.22.201(b)).
  • A driver who can't prove insurance to the DMV within 15 days after a crash with injury or property damage over $501 loses their license for at least 90 days (at least 1 year for a repeat within 10 years) (AS 28.22.021, 28.22.031, 28.22.041).

How fast an insurer must handle a claim in Alaska

  • Insurers must acknowledge a claim in writing within 10 working days (3 AAC 26.040), finish investigating within 30 working days unless they tell you in writing why they need more time (3 AAC 26.050), and on your own policy accept or deny within 15 working days after proof of loss and pay undisputed amounts within 30 working days (3 AAC 26.070).
  • They must also explain in writing how they valued your vehicle and itemize any betterment or depreciation deductions (3 AAC 26.080).
  • Unfair claim practices are banned by AS 21.36.125.

Claiming from the uninsured driver in Alaska

Small claims limit for car damage in Alaska: $10,000 (same for businesses). Alaska small claims guide on Small Claims Map

Step by step if an uninsured driver hits you in Alaska

  1. Report the crash to the police. Call police right away by the quickest means if anyone is hurt or killed, or total property damage looks like $2,000 or more. Reporting a crash in Alaska and getting the police report
  2. Write down the other car's plate and get witness names.
  3. Claim under your uninsured motorist coverage; in Alaska it is included unless you reject it.
  4. If your coverage doesn't pay everything, sue the driver before the deadline: 2 years for both property damage and injury. Deadlines to sue in Alaska, with the calculator

Free help in Alaska

Questions about uninsured drivers in Alaska

Is uninsured motorist coverage required in Alaska?

Uninsured and underinsured motorist coverage (UM/UIM) must be included in the same amounts (50/100/25), unless you reject it in writing. The UM property damage part covers only your vehicle, not loss of use, and has a $250 deductible unless the insurer offers a different one (AS 28.22.101(e), 28.22.201).

What can I do if an uninsured driver hits me in Alaska?

Every Alaska policy includes UM/UIM coverage unless you rejected it in writing; it pays for your injuries and damage to your covered vehicle (usually after a $250 deductible). For a hit-and-run, report it to the authorities within 24 hours so the other vehicle is presumed uninsured (AS 28.22.201(b)). A driver who can't prove insurance to the DMV within 15 days after a crash with injury or property damage over $501 loses their license for at least 90 days (at least 1 year for a repeat within 10 years) (AS 28.22.021, 28.22.031, 28.22.041).

What is the minimum car insurance in Alaska?

50/100/25

How long do I have to sue an uninsured driver in Alaska?

2 years for property damage and 2 years for injury.

How fast must an insurer handle a car insurance claim in Alaska?

Insurers must acknowledge a claim in writing within 10 working days (3 AAC 26.040), finish investigating within 30 working days unless they tell you in writing why they need more time (3 AAC 26.050), and on your own policy accept or deny within 15 working days after proof of loss and pay undisputed amounts within 30 working days (3 AAC 26.070). They must also explain in writing how they valued your vehicle and itemize any betterment or depreciation deductions (3 AAC 26.080).

More for Alaska drivers

Nearby states

Sources

Last checked: Oct 24, 2026.