Alaska AK SR22 Car Insurance
Reader’s Question:
My husband had a record of DWI in Alaska and he got an SR-22 with Geico. He was told by his employer that he still cannot drive a company vehicle because their insurance (State Farm) will not allow it. Why?
Mary
Anchorage, AK
As you may be aware of, DWI in Alaska is serious offense. DWI offenders face both administrative license action and criminal prosecution once arrested for drunk driving. The AK Division of Motor Vehicles will disqualify your husband’s privilege to drive a commercial vehicle for a minimum period of years as required by law. The disqualification period can be one year or for life, depending on the degree of the DWI offense.
As for your husband’s restriction to be enrolled to his employer’s insurance policy, I would suggest speaking with the State Farm’s representative regarding his employer’s insurance policy covering the company vehicles. He can then further ask the insurance company why he is not on the policy and if there is a way he could be added.
Due to your husband’s DWI, State Farm’s underwriters may find your husband too much of a risk to be added to the commercial or business policy. Or, it may be that the cost of having your husband included to the policy would be much too high so his employer has opted to not have him on the policy.
If your husband is unable to get the answers he needs neither from his employer nor State Farm, he can contact the Alaska Division of Insurance to know for sure what is allowable according to your state laws.
