Coverage & Claims

What is the No Pay, No Play law in Alaska? What happens if both parties in an accident are uninsured?

Unless you were under the influence, drove recklessly, acted with intent, or fled the scene in a hit-and-run, I don't necessarily think you could be charged for a felony if you've been cooperative. However, a suit could be filed against you for damages. Regardless of both parties' insurance status, if you were at fault for the accident and the other party can prove this, then you need to pay for the damages caused.

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Coverage & Claims

Why do I have to pay a deductible if I was hit by an uninsured driver?

Unfortunately, recovering the cost of your deductible, if the other driver is uninsured, is up to you. I would definitely recommend asking to speak with a supervisor at your insurance company to see if you have any other options available, but you may have to pay the deductible simply to start the repair process.

Eligibility

Can I get a 1 day insurance policy?

Most insurance policies run for 6 or 12 month terms. You can always purchase a policy and cancel whenever you would like but you may not get any refund of the cancellation happens in the first month of the term.
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