Car Insurance Rates Fairbanks, Alaska AK
Reader’s Question:
My wife died recently. I am wondering if our auto insurance go down since there is only one driver or will it remain the same? We live in Fairbanks, Alaska.
Andrew
Fairbanks, AK
I am sorry for your loss. A change in your marital status may affect your car insurance rates, however it is one out of many factors that will be considered in knowing you car insurance rates. It all depends on your insurance carrier and how much weight they put on the marital status.
Some insurance provider in Fairbanks, Alaska usually only offer a choice between married or single, so a recently widowed motorist would be considered single. Some insurers, let you specify whether you are single, married, single with child, widowed, domestic partner. Typically a widowed driver is rated similar to married.
Since each insurance carrier has its own guidelines on these situations, you should contact your insurance company for information with regards to your insurance policy.
Tags: auto insurance
Comprehensive Insurance Juneau Alaska AK
Reader’s Question:
Is it possible to obtain separate auto insurance for the contents of my vehicle in Juneau, Alaska? I had my speakers and stereo stolen but couldn’t afford the excess fees.
Bill
Juneau, Alaska (AK)
In Juneau, Alaska, personal belongings stolen from a car are usually not covered by car insurance but instead by a person’s renters or homeowners insurance.
If you have a comprehensive car insurance coverage but the excess fee is too expensive, you might speak reducing the fee with your insurance provider. This likely will make the cost of your car insurance rate to rise but permit you to have an excess (deductible) that you could pay more easily than your current one.
If you unable to reduce the excess fee, you might check into a personal contents or belongings policy. Typically, contents policy seems to be for household items but it might be possible to find one that covers automobiles.
Tags: car insurance
SR22 Auto Insurance Alaska AK
Reader’s Question:
What does sr22 covers? My wife has never had a license in the state of Alaska. When she was given a moving citation for not having car insurance on the car that she was driving, they suspended her non-existing license.
Jimmy
Anchorage, AK
An sr22 financial responsibility certificate is a form which must be filed by the insurance carrier stating that car liability (bodily injury liability and property damage liability) insurance is in effect for a particular person. It is required when insurance is provided to a person who was in an accident or was convicted of a traffic violation and was unable to show proof financial responsibility. So, if your wife still resides in Alaska, he will need to take out a sr22 insurance policy. And, to keep that insurance policy “in effect,” she will be required to obtain her Alaska driver’s license. Now, if she lives outside of Alaska, she will need to find an insurance carrier that will write a “Alaska sr22. Most insurance carriers will not write an out-of-state sr22. Because of this, she may have to take out a policy through an insurance carrier run by the state in which she is residing.