Alaska P&C Law & Coverage Requirements
The state portion of the Alaska property & casualty exam tests the coverage rules that differ from the national fundamentals: Alaska's compulsory auto insurance limits, how injury claims are settled, cancellation and nonrenewal protections, and the dwelling/homeowners products used for Alaska property. These sit on top of the shared national P&C bank.
Compulsory Auto Liability Limits in Alaska
Alaska requires every registered vehicle to carry at least the state minimum liability coverage. Under Alaska Statute 28.22.101, the minimums are $50,000 for bodily injury per person, $100,000 per accident, and $25,000 for property damage — commonly written 50/100/25. These are floors, not recommendations; higher limits and optional coverages (uninsured/underinsured motorist, collision, comprehensive) are available. Confirm the current statutory figures with the Alaska Division of Insurance before quoting them.
How Alaska Settles Auto Injury Claims
Alaska is a tort ('at-fault') state, not a no-fault state; the liable driver's insurance pays for the other party's injuries and damage. Knowing whether Alaska is a tort or no-fault state tells the producer which coverage responds first and how an injured party recovers. Uninsured/underinsured motorist coverage protects the insured when the at-fault party has no or too little insurance.
Cancellation, Nonrenewal, and Dwelling/Homeowners Coverage
Alaska protects personal-lines policyholders by regulating when and how an insurer may cancel a policy midterm or decline to renew it, generally requiring advance written notice with a stated reason; the exact number of days is fixed by state law and should be verified with the Alaska Division of Insurance. For property, homeowners (HO) forms require owner-occupancy, while a Dwelling (DP) policy covers rental or non-owner-occupied dwellings — a national distinction the exam applies to Alaska risks.
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State-specific details
State exam facts
- State regulator
- Alaska Division of Insurance
- Exam vendor
- Pearson VUE
- Passing score
- 70%
Who regulates property & casualty insurance licensing in Alaska?
The Alaska Division of Insurance, within the Department of Commerce, Community, and Economic Development, licenses property & casualty producers and uses Pearson VUE as its testing service.
How is the Alaska P&C exam administered?
The exam is delivered by Pearson VUE and includes general and Alaska-specific sections; a score of at least 70% is required. Passing candidates receive a score report marked 'pass' (no numeric score).
Does Alaska require prelicensing education for the P&C exam?
Confirm the current property & casualty prelicensing requirement directly with the Alaska Division of Insurance before enrolling in a course.
Sources: https://www.commerce.alaska.gov/web/ins, https://www.pearsonvue.com/us/en/ak/insurance.html
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