AMERICAN SAMOA AUTO INSURANCE & CRASH LAW
American Samoa Auto Insurance & Crash Law
A practical public-interest guide to local automobile insurance, crash claims, coverage, fault, damages, deadlines and settlement.
AMERICAN SAMOA RESEARCH LIBRARY
Current 23-Topic Library
Use these issue pages as the current VictimsGuide navigation for American Samoa.
03
Who Is an Insured? Named Insureds, Express/Implied Permission & Initial-Permission Rules
04
American Samoa Direct Action Against Liability Insurers — A.S.C.A. §§22.2018 & 29.1537
05
Uninsured Vehicle Owners, Rental Companies & Statutory Liability for Missing Compulsory Coverage
06
American Samoa Uninsured/Underinsured Motorist Coverage, Policy Terms & Available Protection
07
American Samoa Medical Payments, Government/Health Services, Workers’ Compensation & Coordination
10
American Samoa Claims Handling, 12% Delayed-Payment Damages, Attorney Fees & Bad Faith
16
American Samoa Taxi, Bus & Passenger-for-Hire Insurance, 10/50/10 Limits & Assigned Risk
17
American Samoa Government Vehicle Crashes, Attorney General Administrative Claim & Three-Month Deemed Denial
18
American Samoa Pure Comparative Negligence, Proportional Reduction & Joint/Several Liability
19
American Samoa Crash Investigation, Evidence Preservation & Two-Year Injury Limitation
20
American Samoa Crash Damages, Property Claims, Loss of Use & Three-Year Property Limitation
21
American Samoa Wrongful Death, Survival, Beneficiaries & Two-Year Death-Based Limitation
22
American Samoa Settlement, Releases, Medical Benefits, Workers’ Compensation, Liens & Subrogation
American Samoa Auto Insurance & Crash Law
VictimsGuide’s American Samoa library organizes the rules that matter after a motor-vehicle crash: compulsory automobile insurance, direct action against liability insurers, permissive-driver coverage, uninsured vehicles, rental and passenger-for-hire liability, claims handling, government claims, pure comparative negligence, damages, settlement, liens, subrogation and controlling legal authority.
American Samoa rules to identify early
- Compulsory insurance: an owner’s policy generally must provide at least $10,000 per person and $20,000 per accident for bodily injury or death, plus $5,000 for property damage.
- Permissive users: compulsory coverage extends to the named insured and persons using the vehicle with express or implied permission, subject to territorial law and the policy.
- Direct action: an injured person may sue a liability insurer directly within the terms and limits of the policy for a cause of action arising in American Samoa, even if the policy purports to prohibit direct action.
- Comparative negligence: claimant negligence does not bar recovery; damages are reduced in proportion to the claimant’s fault.
- Government claims: claims against the American Samoa Government require separate administrative presentation and sovereign-immunity analysis.
Preserve the complete policy, certificate of insurance, crash report, photographs, video and electronic evidence, and investigate owner, employer, rental, commercial, umbrella and excess coverage before executing a release.
Current-law review: September 17, 2026. Verify current American Samoa Code provisions, Insurance Commissioner guidance, High Court authority and the policy actually issued before relying on this educational guide.
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