Alaska Motorcycle Insurance

According to the Alaska Department of Administration, Motor Vehicles Bureau:

“The Mandatory Insurance Statutes require that the owner of a motor vehicle subject to registration have a liability insurance policy in effect that complies with Alaska Statute 28.22.101.”

The statue goes on to name specific areas of the state that are exempt from the Mandatory Insurance Statues. Go here here (http://doa.alaska.gov/dmv/faq/manins.htm) to see that list.

While riders are exempt from mandatory insurance laws in some areas, Alaska is still an “at fault” state. Without the appropriate coverage, you can lose everything as a result of lawsuits filed after you are found at fault in an accident. Let’s have a look at how Alaska defines a motorcycle for law enforcement and insurance purposes, some of the required equipment to make your bike street legal in the state, as well as the types of motorcycle coverage you may need.

Alaska Motorcycle Coverage

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What Qualifies as a Motorcycle in Alaska?

You would think that what constitutes a motorcycle would be obvious, but every state clearly defines one for law enforcement and insurance purposes. In Alaska, a motorcycle is:

“Any motor vehicle with a seat or saddle, no more than three wheels, and has an engine displacement larger than 49 cc.”

Any two or three-wheel vehicle that falls below these requirements is considered a motor scooter or motorized bicycle.

Required Equipment to be Street Legal

While there are many areas of Alaska where you can ride for days without encountering a paved surface, you may want to take your bike on-road occasionally. In order to be street legal in Alaska, a bike and rider must be equipped with the following:

  • Eye protection: required unless your bike has a windscreen that is 15”, or taller, than the handlebars.
  • Handlebar height: 15 inches or less above the seat.
  • Helmet: required for… operators under 18, all passengers, anyone with an instruction permit, and anyone taking a road test for their motorcycle license.
  • Mirrors: two are required.
  • Turn Signals: not required.
  • Passenger Seat/Footrest: both are required if carrying a passenger.
  • Headlight: required; daytime headlight use required, but a modulating daytime headlight can be used.
  • Muffler: must be present, but there is sound limit.
  • Rider Education: a Skill & Knowledge Test.
  • Safety Inspection: required and conducted on-road, randomly.

Alaska’s Minimum Motorcycle Insurance Limits

Alaska motorcycle insurance is governed by the Mandatory Insurance Statutes. These statutes require that owners carry a liability policy with the following coverage amounts:

  • $50,000 for death or bodily injury to one person;
  • $100,000 for death or bodily injury to two or more persons; and
  • $25,000 for damage or destruction of property.

These coverages only protect other persons when you are at-fault. What happens to you if you are injured or the other driver is at fault, but doesn’t have insurance?

Recommended Coverage

While Alaska only requires liability insurance for motorcycles and has areas that are exempt from coverage, you should always have adequate coverage in place. Lenders require more than liability coverage if you have a lien against your ride. You should consider having the following coverages in place at all times:

Collision: this protection covers your bike in an accident whether it is your fault or not. This type of policy may or may not include uninsured/under-insured coverage. If it doesn’t be sure to add it on.

Uninsured/Under-insured motorist (UM/UIM): just over 13 percent of the drivers in Alaska are uninsured according to federal statistics. This coverage makes sure you and your bike are protected against an uninsured driver or when an at-fault driver’s insurance is inadequate for the damages.

Comprehensive: this protection covers items like fire, wind, water, theft, and vandalism.

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Coverage for Custom Motorcycles

If you ride a custom bike, you will want to consider additional coverage. The two main policy types for custom motorcycles are:

Accessories coverage: the accessories on a custom bike include saddlebags, backrests, seats, and chrome pieces, but not helmets. In many instances, you must have comprehensive or collision coverage in force in order to have an accessories policy.

Custom parts coverage: with some companies this may be part of other coverage, with others it must be purchased separately. This will cover items that are unique like handmade tanks and pipes.

We have created an easy to use tool to find the coverage you need. All you need do is enter your zip code, and you can then see which insurers offer coverage in your area, and request quotes. Follow this link to get your instant free, no obligation quotes.