• Alaska requires minimum liability coverage in most regions.luxury car - model toy car image by alma_sacra from Fotolia.com
  
  Like many states, Alaska has requirements for minimum liability coverage for your vehicle. Since many regions of Alaska are remote and sparsely populated, however, some areas are exempt from these requirements. For residents of all other areas, it is necessary to comply with the law. Failure to do so may result in costly fines and impoundment of your vehicle.
  
  

Liability Minimums

• A driver living in an area of Alaska where vehicle registration is required must carry liability auto insurance. The minimum coverage required is $50,000 for each person injured or killed in an accident, with a maximum payout of $100,000 per accident. The minimum for property damage is $25,000. You may wish to increase these limits to protect yourself if you are ever in an accident where the cost of medical care or damage exceeds these limits.
  
  

Proof of Coverage

• You must carry proof of coverage at all times when driving where insurance is required. If a police or Department of Public Safety officer requests proof of insurance, you must comply. If you are a resident of the municipality of Anchorage, your vehicle will be impounded if you do not have proof of liability insurance. If this happens, you must contact the Anchorage Police Department for instructions on getting your vehicle back.
  
  

Exempt Areas

• Alaska has several areas that are exempt from liability insurance regulations because vehicle registration is either not available or not required. These include some of the more remote areas of Alaska, including Adak, Arctic Village, St. Michael and Sand Point. For a full list, visit Alaska's Department of Motor Vehicles website. The exception to this rule is a driver who has received a ticket that results in six or more license points within a five-year period. Alaska has a point system attached to all moving violations. If a driver goes 10 miles an hour over the speed limit, that is a four-point violation. Violations of six points or higher tend to be more dangerous in nature. Such infractions include speeding in a school zone or leaving the scene of an accident. You must carry liability insurance for five years after that violation.