STATE LAW – ALASKA LIBRARY – GUIDE 04

Who Is an Insured Under Alaska Auto Insurance?

Insured status can differ by coverage. Liability, UM/UIM, MedPay and other policy parts may define insured persons differently.

VG-WHO-INSUREDReviewed Sept. 22, 2026
Alaska state flag

Rule at a Glance

Who Is an Insured Under Alaska Auto Insurance?

Insured status can differ by coverage. Liability, UM/UIM, MedPay and other policy parts may define insured persons differently.

01

Named insureds and resident relatives

02

Permissive users and occupants

03

Persons protected by first-party coverages

04

Employer, commercial, rental and rideshare insured definitions

Working Checklist

Build the Alaska record before making a final coverage or claim decision

1

Named insureds and resident relatives.
2

Permissive users and occupants.
3

Persons protected by first-party coverages.
4

Employer, commercial, rental and rideshare insured definitions.

Primary Authorities

Verify the rule at Alaska’s official sources

This page preserves the existing Alaska guide substance. Check the current statute, insurance regulation, policy language and controlling Alaska appellate authority before legal reliance.

Insurance regulator

Alaska Division of Insurance

Insurance regulation, consumer information, complaints and regulatory materials.

Division of Insurance →

Bottom line. Use the Alaska-specific policy, facts and current primary authority; this guide is a research starting point rather than a substitute for the controlling source.