What is a car accident claim worth in Alaska?
Every rule below is quoted from Alaska law or a state agency, with a link. Checked September 17, 2026.
The short answer
Nobody can price your claim from a web page, and any site that gives you one number is guessing. What we can show you is real: the amount insurers actually paid per claim in Alaska, and the Alaska rules that raise or lower what you collect. $29,727 was the average injury claim paid in Alaska in 2022.
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Averages come from NAIC 2022/2023 Auto Insurance Database Report. State rules are quoted from Alaska law on this site, each with a link.
What claims paid in Alaska
Injury claims in Alaska averaged $29,727 each in 2022.
Car and property damage claims averaged $6,889.
| Injury claim paid by the at fault driver's insurance | $29,727 |
|---|---|
| Car and property damage | $6,889 |
| Medical payments coverage, paid by your own policy | $7,770 |
| Collision coverage, paid by your own policy | $6,709 |
These are averages of every claim insurers closed, from the largest to the smallest. A claim with a hospital stay sits far above the average, and a fender bender sits far below it.
What changes the number in Alaska
If you were partly at fault
Alaska uses pure comparative negligence. If you were partly at fault for the crash, your money award is reduced by your percentage of fault, but you can still recover damages even if you were mostly to blame.
“contributory fault chargeable to the claimant diminishes proportionately the amount awarded as compensatory damages for the injury attributable to the claimant's contributory fault, but does not bar recovery”
The other driver's policy limit is the ceiling
Alaska drivers must carry liability insurance of at least $50,000 per person and $100,000 per crash for injury, plus $25,000 for property damage.
“$50,000 because of bodily injury to or death of one person in one accident, and...$100,000...of two or more persons...and (2) $25,000 because of injury to or destruction of property”
If the other driver has no insurance
Alaska insurance companies must include uninsured and underinsured motorist coverage in an auto policy at the same dollar limits as the driver's liability coverage, unless the driver waives it in writing.
“The coverage required under (c) and (d) of this section may be waived in writing by the insured in whole or in part”
The deadline that ends the claim
You have 2 years from the date of the crash to file a lawsuit for your injuries.
“a person may not bring an action...for personal injury or death...unless the action is commenced within two years of the accrual of the cause of action”
What a lawyer takes if you hire one
Alaska does not cap the percentage a lawyer can charge in a personal injury contingency fee. The fee must be reasonable, and if the fee is contingent in whole or part, the agreement must be in writing and state how the fee will be calculated.
“A fee agreement that is in whole or part contingent shall be in writing and shall state the method by which the fee is to be determined”
Sources on this page
Each one was opened and checked on September 17, 2026.
Know My Claim is not a law firm or a government agency, and this page is not legal advice. Laws change, so check the linked source before you rely on a deadline.