Insurance and Financial Responsibility Flashcards

You are in a crash in Juneau causing over $2,000 in damage and the police do not investigate. What must you do?

Answer: File a crash report with the Alaska DMV

Alaska requires drivers to file a crash report with the DMV when damage exceeds $2,000 or there is injury, unless police investigate the crash.

When must you show proof of insurance after a reportable crash in Alaska?

Answer: When you file your crash report with the DMV

Proof of liability insurance must be certified when submitting a required crash report.

A driver's license is suspended for a first offense of driving uninsured in a crash. About how long is the suspension?

Answer: 90 days

A first violation of Alaska's mandatory insurance law involving a crash typically brings a 90-day license suspension.

How does a repeat offense of driving uninsured affect the suspension period in Alaska?

Answer: The suspension becomes longer, up to one year

Subsequent uninsured driving violations carry longer suspensions, up to one year.

Your insurance policy lapses because you missed a payment, but you keep driving. What is true?

Answer: You are driving illegally even if you plan to renew soon

Driving during a coverage lapse violates Alaska's mandatory insurance law regardless of intent to renew.

Before letting someone borrow your car in Alaska, what should you verify to protect yourself financially?

Answer: That the driver is licensed and the vehicle's insurance is current

Owners can face liability and penalties if an unlicensed or uninsured operation occurs with their vehicle.

Which situation still requires insurance even in a remote, insurance-exempt Alaska area?

Answer: A driver who must file an SR-22 due to a prior violation

Drivers required to prove financial responsibility, such as SR-22 filers, must carry insurance even in exempt areas.