Motorcycle Insurance Minimum Requirements in Alaska
Motorcycle Insurance in Alaska
Motorcyclists know that safety is key, but an unfortunate truth is that accidents happen. To protect riders from high costs associated with accidents, Alaska requires motorcycle owners to adhere to the same laws applicable to car insurance in Alaska.
Alaska Motorcycle Insurance Requirements
In order to comply with Alaska’s motorcycle insurance laws, your bike must be covered with liability insurance to help you pay for property damage and bodily injury suffered by others in a crash that you cause.
Your motorcycle insurance policy must include the following minimum liability limits per accident:
- $50,000 for bodily injury or death to one person.
- $100,000 for total bodily injury or death if multiple people are hurt in the accident.
- $25,000 for property damage.
Optional Motorcycle Insurance
As you shop for Alaska motorcycle insurance, consider purchasing optional types of coverage to help protect you further.
Liability insurance only covers damages or injuries to other people in an accident you cause, so you could be left paying for your own injuries or other damages out of pocket if you have only the minimum coverage.
To cover your own injuries or damages to your motorcycle, consider these common optional types of motorcycle coverage:
- Collision – This coverage will help pay for damages to your motorcycle after a collision.
- Comprehensive – This will help cover damages to your bike resulting from several scenarios that do not involve car accidents, like weather and fire damage.
- Medical payments – This coverage will help pay for injury-related costs after a motorcycle accident, without regard to who is at fault.
- Towing and labor – Roadside breakdowns can be a big source of stress. This coverage can help ease this pain by providing financial support for roadside assistance.
In addition to these optional motorcycle insurance coverages, you may want to purchase higher liability limits, especially if you own valuable assets, such as a home, that can be vulnerable to a lawsuit after an accident.
Other Two-Wheeled Vehicles
Not all two-wheeled vehicles need to be insured, but you may find value in purchasing insurance for these vehicles.
Motorcycle insurance can generally be purchased for:
If you are interested in insurance for one of the above, speak with your motorcycle insurance provider about the right coverage for these types of vehicles.
Motorcycle Insurance Violation Penalties
In addition to putting your assets at risk, not having motorcycle insurance can get you into other legal issues.
If you are caught operating your motorcycle in Alaska without proper insurance coverage, you face penalties that include:
- Traffic citations.
- Motorcycle impoundment.
- License suspension.
Helmets and Your Motorcycle Insurance
When it comes to motorcycle riding, your head is highly vulnerable. Head injuries are vastly considered the highest risk to motorcyclists.
The state of Alaska promotes helmet usage by all motorcyclists; however, Alaska law does not require all riders to wear a helmet.
While the state may not require you to wear a helmet, your motorcycle insurance carrier strongly desires that you protect your head. Insurance companies want to keep you safe, because safety generally translates to fewer claims they have to cover.
You may even qualify for a motorcycle insurance discount if you wear your helmet each time you ride. As you receive a motorcycle insurance quote, it is a good idea to look into this discount.
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