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Alaska’s auto accident insurance system
Accidents happen, but when a car accident results in harm to you and the auto accident was the result of someone else’s negligence, then you can do something about it thanks to the judicial system in the giant far northwest state of Alaska.
Alaskan state law allows for victims of negligently caused accidents who have suffered damages as a result of these accidents to file civil lawsuits wherein they can seek to acquire compensatory awards. The civil lawsuit, depending on what transpired in the accident case, could be a personal injury lawsuit, a wrongful death lawsuit, a property damage lawsuit or even some sort of a combination of these.
Fault vs. no fault vs. comparative fault states
When it comes to accident laws, it can vary from one state to another. Some states in the country have adopted fault laws, some have adopted no-fault laws, and some have comparative fault laws. So what do these sets of laws mean from a broad perspective?
Fault Laws – States where fault laws are in effect work in a pretty straight forward manner when an accident lawsuit is filed. The driver who is determined to be at fault in an accident or his or her auto insurer will be liable for the accident and also for financially compensating the damages caused by the accident. In case an at fault driver does not have sufficient funds to pay for these damages nor the required insurance coverage to take care of the damages, then the victim may turn to their own auto insurer and file a claim with them in order to recuperate the damages.
No Fault Laws – In states that have implemented no fault laws irrespective of who was at fault for causing the accident, all parties involved look to their own auto insurers in order to receive compensatory damages.
Comparative Fault Laws – These are states where it is assumed that there could be and usually are multiple persons liable for having caused an accident. These laws dictate that all parties who were deemed negligent in the auto accident are liable for the damages caused due to the car accident and this liability is directly proportional to their extent of fault of negligence itself.
So what about Alaska?
Alaska is a mixed state, which means you can use either no fault or fault grounds as a victim of a car accident to seek damages. However, you may find that when you make an insurance claim (be it from your own auto insurer or that of the at fault driver) your claim could be denied.
A denied claim does not mean the end of the road. There is an appeals process in Alaska that you may follow in order to have the case turned around. Talk to one of our incredible and stellar Alaskan accident insurance claims lawyers today using the interactive map on our site which is USAttorneys.com to find out how you can appeal a denied insurance claim and receive the money you actually deserve.
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