Alaska Statutes
Alaska Stat. § 28.22.201 (2026)
Uninsured and underinsured motorists coverage
✓ current as of July 2026
Find cases:
SyfertCases citing this section
AK-LEGakleg.gov
JustiaTitle on Justia
CornellLII Search
CasesGoogle Scholar
Sec. 28.22.201. Uninsured and underinsured motorists coverage.
(a) The uninsured and underinsured motorists coverage required under this chapter
(1) does not apply to bodily injury, sickness, disease, or death of an insured or damage to or destruction of property of an insured until the limits of liability bonds and policies that apply have been used up by payments or judgments or settlements;
(2) must be a single combined coverage; and
(3) may be rejected by the insured in writing; if the insured has rejected uninsured or underinsured coverage, the coverage may not be included in a supplemental, renewal, or replacement policy unless the insured subsequently requests uninsured or underinsured coverage in writing.
(b) If both the owner and operator of a vehicle are unknown, payment under the uninsured and underinsured motorists coverage may be made only where direct contact between the motor vehicles has occurred. A vehicle and operator that have left the scene of an accident with another vehicle are presumed to be uninsured if the insured person reports the accident to the appropriate authorities within 24 hours.
(c) The uninsured and underinsured motorists coverage for damage to or destruction of property is subject to a deductible of $250 in any one accident, but the insurer may offer a deductible other than $250. This coverage shall be limited to damage to or destruction of the covered motor vehicle. It may not include loss of use of such vehicle.
(a) The uninsured and underinsured motorists coverage required under this chapter
(1) does not apply to bodily injury, sickness, disease, or death of an insured or damage to or destruction of property of an insured until the limits of liability bonds and policies that apply have been used up by payments or judgments or settlements;
(2) must be a single combined coverage; and
(3) may be rejected by the insured in writing; if the insured has rejected uninsured or underinsured coverage, the coverage may not be included in a supplemental, renewal, or replacement policy unless the insured subsequently requests uninsured or underinsured coverage in writing.
(b) If both the owner and operator of a vehicle are unknown, payment under the uninsured and underinsured motorists coverage may be made only where direct contact between the motor vehicles has occurred. A vehicle and operator that have left the scene of an accident with another vehicle are presumed to be uninsured if the insured person reports the accident to the appropriate authorities within 24 hours.
(c) The uninsured and underinsured motorists coverage for damage to or destruction of property is subject to a deductible of $250 in any one accident, but the insurer may offer a deductible other than $250. This coverage shall be limited to damage to or destruction of the covered motor vehicle. It may not include loss of use of such vehicle.
Notes of Decisions
Cited in 7
cases (1 in the last 5 years), 1998–2021 · leading case: Wold v. Progressive Preferred Ins. Co., 52 P.3d 155 (Alaska 2002).
Wold v. Progressive Preferred Ins. Co., 52 P.3d 155 (Alaska 2002). “An identical provision appears in AS 28.22.201(a)(1). 26 . 29 P.3d 829, 833 (Alaska 2001) (interpreting AS 28.”
Hahn v. GEICO Choice Ins. Co., 420 P.3d 1160 (Alaska 2018). “See also AS 28.22.201(a) (setting limits on the application of UIM coverage).”
McDonnell v. State Farm Mut. Auto. Ins. Co., 299 P.3d 715 (Alaska 2013). “may not apply to bodily injury, sickness, disease, or death of an insured or damage to or destruction of property of an insured until the limits of liability of all bodily injury and property damage liability bonds and policies that apply have been used up by payments,…”
Coughlin v. Gov't Employees Ins. Co., 69 P.3d 986 (Alaska 2003). “[8] The legislature used similar terminology in AS 28.22, the Mandatory Motor Vehicle Insurance Act.”
Progressive Ins. Co. v. Simmons, 953 P.2d 510 (Alaska 1998). “101 and AS 28.22.201. 13 . The MVSRA applies statewide to drivers and owners of all vehicles subject to registration in Alaska, see AS 28.”
Ayres v. United Servs. Auto. Ass'n, 160 P.3d 128 (Alaska 2007). “101 sets out general coverage requirements and prescribes minimum UIM and liability policy limits of $50,000 per person and $100,000 per accident for death or bodily injury and $25,000 per accident for property damage.”
Allstate Ins. Co. v. Nathan Harbour, Allstate Ins. Co. v. Kenneth N. Mattison, 491 P.3d 374 (Alaska 2021). “020(e); AS 28.22.201(a)(3); AS 28.20.445(e)(3). 2 AS 28.”
— Alaska Stat. § 28.22.201(a) — 2 cases
Hahn v. GEICO Choice Ins. Co., 420 P.3d 1160 (Alaska 2018). “See also AS 28.22.201(a) (setting limits on the application of UIM coverage).”
Ayres v. United Servs. Auto. Ass'n, 160 P.3d 128 (Alaska 2007). “101 sets out general coverage requirements and prescribes minimum UIM and liability policy limits of $50,000 per person and $100,000 per accident for death or bodily injury and $25,000 per accident for property damage.”
— Alaska Stat. § 28.22.201(a)(1) — 3 cases
McDonnell v. State Farm Mut. Auto. Ins. Co., 299 P.3d 715 (Alaska 2013). “may not apply to bodily injury, sickness, disease, or death of an insured or damage to or destruction of property of an insured until the limits of liability of all bodily injury and property damage liability bonds and policies that apply have been used up by payments,…”
Coughlin v. Gov't Employees Ins. Co., 69 P.3d 986 (Alaska 2003). “[8] The legislature used similar terminology in AS 28.22, the Mandatory Motor Vehicle Insurance Act.”
Wold v. Progressive Preferred Ins. Co., 52 P.3d 155 (Alaska 2002). “An identical provision appears in AS 28.22.201(a)(1). 26 . 29 P.3d 829, 833 (Alaska 2001) (interpreting AS 28.”
— Alaska Stat. § 28.22.201(a)(3) — 2 cases
Ayres v. United Servs. Auto. Ass'n, 160 P.3d 128 (Alaska 2007). “101 sets out general coverage requirements and prescribes minimum UIM and liability policy limits of $50,000 per person and $100,000 per accident for death or bodily injury and $25,000 per accident for property damage.”
Allstate Ins. Co. v. Nathan Harbour, Allstate Ins. Co. v. Kenneth N. Mattison, 491 P.3d 374 (Alaska 2021). “020(e); AS 28.22.201(a)(3); AS 28.20.445(e)(3). 2 AS 28.”
— Alaska Stat. § 28.22.201(a)(8) — 1 case
Ayres v. United Servs. Auto. Ass'n, 160 P.3d 128 (Alaska 2007). “101 sets out general coverage requirements and prescribes minimum UIM and liability policy limits of $50,000 per person and $100,000 per accident for death or bodily injury and $25,000 per accident for property damage.”
— Alaska Stat. § 28.22.201(b) — 1 case
Wold v. Progressive Preferred Ins. Co., 52 P.3d 155 (Alaska 2002). “An identical provision appears in AS 28.22.201(a)(1). 26 . 29 P.3d 829, 833 (Alaska 2001) (interpreting AS 28.”
Annotations are extracted automatically from the opinions in the
Syfert caselaw corpus and ranked by authority, recency, and
treatment. Dots show Syfertize treatment of the citing case itself.