Question 1

Does Alaska allow UM/UIM stacking?

Accepted Answer

Not within one policy. AS 28.22.221 says that when two or more vehicles are insured under one policy, the maximum amount payable may not exceed the highest limit of any one coverage under that policy. If you are covered under more than one policy, payments are made in a statutory order of priority, each subject to its own limit.

Question 2

Is UIM coverage separate from UM coverage in Alaska?

Accepted Answer

No. Alaska requires UM and UIM to be a single combined coverage (AS 28.22.201(a)(2)). It pays when the driver is uninsured, or insured for less than your actual damages.

Question 3

Do I have to use up the at-fault driver's policy first?

Accepted Answer

Yes. UM/UIM does not apply until the limits of the liability bonds and policies that apply have been used up by payments, judgments or settlements (AS 28.22.201(a)(1)), and the Alaska Supreme Court has held that settling for less than the limit does not count.

Question 4

Can I collect UM/UIM after a hit-and-run?

Accepted Answer

Only if there was direct contact between the vehicles when both owner and operator are unknown. A vehicle that left the scene is presumed uninsured if you report the accident to the appropriate authorities within 24 hours (AS 28.22.201(b)).

Question 5

What are the minimum UM/UIM limits in Alaska?

Accepted Answer

A motor vehicle liability policy must include UM/UIM coverage in at least the liability minimums, which are $50,000 per person, $100,000 per accident for bodily injury and $25,000 for property damage (AS 28.22.101(d) and (e)). The insured can reject it in writing.

Alaska UM/UIM Stacking Calculator

Estimate your UM/UIM benefits

The highest single limit, not a sum of vehicles

Alaska UM/UIM Stacking Calculator

Estimate your UM/UIM benefits

The highest single limit, not a sum of vehicles

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