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Uninsured Motorist Coverage — Alaska

Uninsured and underinsured motorist coverage pays your medical bills and vehicle damage when you're hit by a driver who has no insurance or not enough insurance to cover your losses.

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What Is Uninsured and Underinsured Motorist Coverage Insurance?

Uninsured motorist coverage (UM) pays for your injuries and property damage when an at-fault driver has no insurance. Underinsured motorist coverage (UIM) pays when the at-fault driver's liability limits are too low to cover your losses. Both coverages are triggered only when another driver is legally responsible for the crash — they don't pay for accidents you cause or single-vehicle crashes.

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Who Needs Uninsured and Underinsured Motorist Coverage Insurance?

You should carry UM/UIM coverage if you drive regularly on Alaska highways where help is far away, if you have significant medical expenses that health insurance won't fully cover, or if your vehicle is worth more than you can afford to replace out-of-pocket. Given that one in seven Alaska drivers is uninsured, this coverage pays for itself the first time an uninsured driver hits you.

Compare the annual cost of UM/UIM coverage to your health insurance deductible and your vehicle's current value. If an uninsured driver totals your car or sends you to the hospital, could you cover those costs without financial hardship?

How Much Does Uninsured and Underinsured Motorist Coverage Insurance Cost?

Your UM/UIM coverage limits — higher limits cost more, but protect you against larger claims when an uninsured driver causes serious injury.
Your claims history — if you've filed UM/UIM claims in the past, carriers may charge more or limit the coverage you can buy.

Related Coverage Types

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Liability Insurance→

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Minimum Coverage Car Insurance→

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Full Coverage Car Insurance→

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