After twenty years representing people who are injured and killed in motor vehicle wrecks, I’ve learned a thing-or-two. The most important one – for you – is to buy the right automobile insurance. The guidelines are simple: Buy as much as you can afford. Get as much liability coverage as you can afford. Get as much Medical Payments coverage as you can afford. Get as much Uninsured / Underinsured Motorist insurance as you can afford.
The difference between weak insurance – and something that will actually help you when disaster strikes (note I said "when" and not "if") is about $100 every six months. That’s right – about $100 every six months.
I recommend that you buy a minimum of $500,000 of Uninsured / Underinsured motorist coverage. Consider buying an "umbrella" automobile policy that gives you one or two million dollars worth of uninsured motorist coverage.
Alaskan roads are dangerous. Drunk drivers are crazy.
Buy all the Uninsured / Underinsured Motorist insurance you can afford.
Your family is worth it.