Alaskan Insurance Services
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Property and Casualty Insurance
Personal Lines * Commercial Lines
Bonding
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Alaskan-Owned and Operated Independent Insurance Agency
Personal Lines
Auto
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Policies
Auto
Motor Home
Travel Trailer
Motorcycle
ATV
Snowmachine
Boat
Personal Watercraft
Low Speed Vehicle
Classic Car
Coverages
Liability
Uninsured/Underinsured Motorist
Medical
Comprehensive
Collision
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Full Safety Glass
Rental Reimbursement
Roadside Assistance
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Filings:
SR22 Filings
Coverage definitions: Auto
Liability
If you have caused an accident that injures someone or damages their property. This coverage pays for their
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Bodily Injury per person,
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Bodily Injury per accident
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Property Damage
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Relates to Personal Umbrella coverage
Uninsured/
Underinsured Motorist
Covers your damages and medical costs resulting from and accident caused by and uninsured, underinsured, or hit and run.
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lost wages
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medical expenses
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other damages
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Relates to Personal Umbrella coverage-excess UM coverage
Medical
Covers medical expenses for anyone in your vehicle in the event of an accident, regardless of fault.
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reasonable/necessary medical care
Comprehensive
Covers anything other than Collision. If something falls on the vehicle, it gets keyed or scratched or it is stolen. If you hit an animal. Towing. Windshield replacement.
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animal
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fire
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theft
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vandalism
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hail/flooding
Required if vehicle financed
Collision
Covers repairs to your vehicle when you hit, or are hit by another vehicle or object. One car rollover.
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Required coverage if vehicle financed
Other Coverages
Full Safety Glass
Rental Reimbursement
Roadside Assistance
Filings
Stay compliant with the Financial Responsibility law.
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SR22 Filings available
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Personal Umbrella available with filing in some markets
Discounts/Loyalty Programs
Programs by carrier:
Discounts
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Bundling
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Payment
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Education
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Multi-Car
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Multi-Policy
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Individual driving
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Loyalty Programs
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disappearing deductibles
Know your coverages!
Knowing the definition of each coverage in your auto policy and using that knowledge in selecting coverages can make a huge difference to you financially in the event of a loss.
We are here to help you navigate your coverages which will make a big difference in your daily life.
Minimum coverages do not always save you money in the long run.
Disclaimer:
Please discuss your insurance requirements with a licensed agent and refer to your actual insurance policy documents for coverages that apply to you and your situation.Coverage descriptions and definitions listed herein are for illustration purposes only and may not be available to you or to your specific situation.
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