Alaska Statutes
Alaska Stat. § 28.22.101 (2026)
General coverage requirements; policy limits
✓ current as of July 2026
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Sec. 28.22.101. General coverage requirements; policy limits.
(a) An owner's motor vehicle liability policy must designate by description or appropriate reference the motor vehicles that it covers and insure the person named against loss from the liability imposed by law for damages that arise from the ownership, maintenance, or use of a designated motor vehicle.
(b) An operator's motor vehicle liability policy must insure the person named as insured against loss from the liability imposed by law for damages that arise from the use by the operator of a motor vehicle not owned by the operator.
(c) A personal motor vehicle liability policy must insure the person named as insured against loss from liability imposed by law for damages that arise from the ownership, maintenance, or use by the named person of a motor vehicle whether owned or not owned by the person.
(d) A motor vehicle liability policy must provide coverage in the United States or Canada, subject to limits exclusive of interest and costs, with respect to each vehicle, as follows:
(1) $50,000 because of bodily injury to or death of one person in one accident, and, subject to the same limit for one person, $100,000 because of bodily injury to or death of two or more persons in one accident; and
(2) $25,000 because of injury to or destruction of property of others in one accident.
(e) A motor vehicle liability policy must provide coverage under AS 28.22.201 — 28.22.231 in the amounts set out in (d) of this section for the protection of the persons insured under the policy who are legally entitled to recover damages from the owner or operator of an uninsured or underinsured motor vehicle because of bodily injury or death, or damage to or destruction of property arising out of the ownership, maintenance, or use of the uninsured or underinsured motor vehicle. This subsection does not require coverage for punitive damages that might otherwise be recoverable from an uninsured or underinsured person.
(f) A motor vehicle liability policy must state the name and address of the named insured and meet the requirements of AS 21.42.160 — 21.42.170. In the absence of specific contract language or endorsement, the motor vehicle liability policy issued for a person in this state is presumed to meet the minimum requirements of (d) of this section.
(a) An owner's motor vehicle liability policy must designate by description or appropriate reference the motor vehicles that it covers and insure the person named against loss from the liability imposed by law for damages that arise from the ownership, maintenance, or use of a designated motor vehicle.
(b) An operator's motor vehicle liability policy must insure the person named as insured against loss from the liability imposed by law for damages that arise from the use by the operator of a motor vehicle not owned by the operator.
(c) A personal motor vehicle liability policy must insure the person named as insured against loss from liability imposed by law for damages that arise from the ownership, maintenance, or use by the named person of a motor vehicle whether owned or not owned by the person.
(d) A motor vehicle liability policy must provide coverage in the United States or Canada, subject to limits exclusive of interest and costs, with respect to each vehicle, as follows:
(1) $50,000 because of bodily injury to or death of one person in one accident, and, subject to the same limit for one person, $100,000 because of bodily injury to or death of two or more persons in one accident; and
(2) $25,000 because of injury to or destruction of property of others in one accident.
(e) A motor vehicle liability policy must provide coverage under AS 28.22.201 — 28.22.231 in the amounts set out in (d) of this section for the protection of the persons insured under the policy who are legally entitled to recover damages from the owner or operator of an uninsured or underinsured motor vehicle because of bodily injury or death, or damage to or destruction of property arising out of the ownership, maintenance, or use of the uninsured or underinsured motor vehicle. This subsection does not require coverage for punitive damages that might otherwise be recoverable from an uninsured or underinsured person.
(f) A motor vehicle liability policy must state the name and address of the named insured and meet the requirements of AS 21.42.160 — 21.42.170. In the absence of specific contract language or endorsement, the motor vehicle liability policy issued for a person in this state is presumed to meet the minimum requirements of (d) of this section.
Notes of Decisions
Cited in 23
cases (1 in the last 5 years), 1990–2024 · leading case: Progressive Cas. Ins. Co. v. Skin, 211 P.3d 1093 (Alaska 2009).
Progressive Cas. Ins. Co. v. Skin, 211 P.3d 1093 (Alaska 2009). “meets the requirements of AS 28.22.101." According to AS 28.22.101(a), an owner's policy "must designate .”
Farquhar v. Alaska Nat'l Ins. Co., 20 P.3d 577 (Alaska 2001). “440(b) and AS 28.22.101(d). 24 Alaska Statute 28.22.”
State Farm Mut. Auto. Ins. Co. v. Houle, 269 P.3d 654 (Alaska 2011). “440 or AS 28.22.101," statutory provisions that identify requirements governing liability policies.”
Gov't Employees Ins. Co. v. Graham-Gonzalez, 107 P.3d 279 (Alaska 2005). “440 or AS 28.22.101. Coverage required to be offered under this section must include the following options: (1) policy limits equal to the limits voluntarily purchased to cover the liability of the person insured for bodily injury or death; .”
Jones v. Shelter Mut. Ins. Companies, 738 N.W.2d 840 (Neb. 2007). “, Alaska Stat. § 28.22.101 (2004); Ariz. Rev.”
Burton v. State Farm Fire & Cas. Co., 796 P.2d 1361 (Alaska 1990). “010(a)(2)(A) (same minimum now in AS 28.22.101(d)(1)). Although State Farm is required to offer underinsured motor vehicle coverage in the amount of liability coverage, AS 21.”
Babinski v. Am. Fam. Ins. Grp., 569 F.3d 349 (8th Cir. 2009). “See Alaska Stat. § 28.22.101 (d); Me.Rev.Stat.”
Holderness v. State Farm Fire & Cas. Co., 24 P.3d 1235 (Alaska 2001). “440 or AS 28.22.101. 13 . The emphases in the quoted passage appear in the original policy, which emphasizes words to indicate that they are specifically defined in the policy.”
Hughes v. Harrelson, 844 P.2d 1106 (Alaska 1993). “440(b) and AS 28.22.101(d). The superior court's order denying Hughes' motion for a statement of law is REVERSED and the case is REMANDED for further proceedings consistent with this opinion.”
Peter v. Schumacher Enter., Inc., 22 P.3d 481 (Alaska 2001). “440 or AS 28.22.101. Coverage required to be offered under this section must include the following options: (1) policy limits equal to the limits voluntarily purchased to cover the liability of the person insured for bodily injury or death; (2) except when the coverage consists…”
Nelson v. Progressive Cas. Ins. Co., 162 P.3d 1228 (Alaska 2007). “Nelson argues subsection thus conflicts with the statutorily mandated minimum liability protection re *1236 quired by AS 28.22.101. She further asserts that Progressive Form 9830 exceeds the permissible scope of subsection In response, Progressive counters that in enacting…”
Ayres v. United Servs. Auto. Ass'n, 160 P.3d 128 (Alaska 2007). “20440 or AS 28.22.101.[ 12 ] Coverage required to be offered under this section must include the following options: (1) policy limits equal to the limits voluntarily purchased to cover the liability of the person insured for bodily injury or death; (2) except when the coverage…”
— Alaska Stat. § 28.22.101(a) — 3 cases
Progressive Cas. Ins. Co. v. Skin, 211 P.3d 1093 (Alaska 2009). “meets the requirements of AS 28.22.101." According to AS 28.22.101(a), an owner's policy "must designate .”
Nelson v. Progressive Cas. Ins. Co., 162 P.3d 1228 (Alaska 2007). “Nelson argues subsection thus conflicts with the statutorily mandated minimum liability protection re *1236 quired by AS 28.22.101. She further asserts that Progressive Form 9830 exceeds the permissible scope of subsection In response, Progressive counters that in enacting…”
Kalenka v. Infinity Ins. Companies, 262 P.3d 602 (Alaska 2011).
— Alaska Stat. § 28.22.101(c) — 1 case
Progressive Cas. Ins. Co. v. Skin, 211 P.3d 1093 (Alaska 2009). “meets the requirements of AS 28.22.101." According to AS 28.22.101(a), an owner's policy "must designate .”
— Alaska Stat. § 28.22.101(d) — 7 cases
Farquhar v. Alaska Nat'l Ins. Co., 20 P.3d 577 (Alaska 2001). “440(b) and AS 28.22.101(d). 24 Alaska Statute 28.22.”
Hughes v. Harrelson, 844 P.2d 1106 (Alaska 1993). “440(b) and AS 28.22.101(d). The superior court's order denying Hughes' motion for a statement of law is REVERSED and the case is REMANDED for further proceedings consistent with this opinion.”
State Farm Mut. Auto. Ins. Co. v. Houle, 269 P.3d 654 (Alaska 2011). “440 or AS 28.22.101," statutory provisions that identify requirements governing liability policies.”
Coughlin v. Gov't Employees Ins. Co., 69 P.3d 986 (Alaska 2003).
Holderness v. State Farm Fire & Cas. Co., 24 P.3d 1235 (Alaska 2001). “440 or AS 28.22.101. 13 . The emphases in the quoted passage appear in the original policy, which emphasizes words to indicate that they are specifically defined in the policy.”
— Alaska Stat. § 28.22.101(d)(1) — 2 cases
Burton v. State Farm Fire & Cas. Co., 796 P.2d 1361 (Alaska 1990). “010(a)(2)(A) (same minimum now in AS 28.22.101(d)(1)). Although State Farm is required to offer underinsured motor vehicle coverage in the amount of liability coverage, AS 21.”
Farquhar v. Alaska Nat'l Ins. Co., 20 P.3d 577 (Alaska 2001). “440(b) and AS 28.22.101(d). 24 Alaska Statute 28.22.”
— Alaska Stat. § 28.22.101(e) — 3 cases
Burton v. State Farm Fire & Cas. Co., 796 P.2d 1361 (Alaska 1990). “010(a)(2)(A) (same minimum now in AS 28.22.101(d)(1)). Although State Farm is required to offer underinsured motor vehicle coverage in the amount of liability coverage, AS 21.”
21st Century Premier Ins. v. Smith, 998 F. Supp. 2d 884 (D. Alaska 2014).
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