A Citizen’s Guide to Auto Insurance and Crash Law

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American Samoa · Jurisdiction Law Library Hub

American Samoa Auto Insurance & Crash Law Library

A public legal education and research library for American Samoa motor-vehicle insurance, statutory benefits, crash claims, liability, damages, deadlines and settlement.

Guide 01 + 23 TOPIC GUIDES
10 / 20 / 5
10 / 50 / 10
Layout updated September 29, 2026

Browse American Samoa Guides Guide 01: How to Use This Library

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American Samoa Law Library

Numbered guides by legal category

The guide count and sequence are jurisdiction-specific. Categories follow subject matter rather than forcing the 22-topic state sequence.

Getting Started in American Samoa

01American Samoa Citizen’s Guide — How to Use This LibraryIdentify statutory and policy benefits, liability coverage, responsible parties, proof and deadlines before a final claim decision.›

02–18

Coverage & Insured Status

02American Samoa Compulsory Auto Insurance, 10/20/5 Minimum Limits & Proof of InsuranceRequired insurance, compulsory benefits or minimum-coverage questions.›03Finding Applicable Insurance Coverage After an American Samoa CrashFinding every potentially applicable policy or statutory benefit.›04Who Is an Insured? Named Insureds, Express/Implied Permission & Initial-Permission RulesInsured status, permissive use and omnibus-coverage questions.›07American Samoa Uninsured/Underinsured Motorist Coverage, Policy Terms & Available ProtectionUninsured/underinsured motorist coverage and related conditions.›08American Samoa Medical Payments, Government/Health Services, Workers’ Compensation & CoordinationMedical-payment and coordination questions.›09American Samoa Insurance Policy Interpretation, Exclusions & Coverage DisputesPolicy language, exclusions and coverage disputes.›18American Samoa Government Vehicle Crashes, Attorney General Administrative Claim & Three-Month Deemed DenialGovernment vehicle and public-entity claims.›

05–14

Insurer Duties & Claims Conduct

05American Samoa Direct Action Against Liability Insurers — A.S.C.A. §§22.2018 & 29.1537Direct-action and insurer-liability procedure.›10American Samoa Insurance Information, Policy Limits & Pre-Suit Coverage InvestigationCoverage information and pre-suit investigation.›11American Samoa Claims Handling, 12% Delayed-Payment Damages, Attorney Fees & Bad FaithClaims handling and insurer-conduct issues.›12American Samoa Insurance Brokers, Agents, Applications & Failure to Procure CoverageProducer duties and missing requested coverage.›13American Samoa Duty to Defend, Reservations of Rights & Liability Coverage DefenseDefense and reservation-of-rights issues.›14American Samoa Failure to Settle, Excess Exposure & Insurer LiabilitySettlement opportunities and excess exposure.›

06–17

Vehicle & Use Questions

06Uninsured Vehicle Owners, Rental Companies & Statutory Liability for Missing Compulsory CoverageRequired insurance, compulsory benefits or minimum-coverage questions.›15American Samoa Borrowed, Non-Owned & Rental VehiclesBorrowed, non-owned and rental vehicle issues.›16American Samoa Work, Employer & Commercial Vehicle CoverageEmployer liability and commercial-auto coverage.›17American Samoa Taxi, Bus & Passenger-for-Hire Insurance, 10/50/10 Limits & Assigned RiskAccess to mandatory coverage and assigned-risk questions.›

19–20

Liability & Proof

19American Samoa Pure Comparative Negligence, Proportional Reduction & Joint/Several LiabilityFault-allocation rules.›20American Samoa Crash Investigation, Evidence Preservation & Two-Year Injury LimitationCrash investigation, evidence preservation and deadline issues.›

21–23

Damages & Resolution

21American Samoa Crash Damages, Property Claims, Loss of Use & Three-Year Property LimitationCrash investigation, evidence preservation and deadline issues.›22American Samoa Wrongful Death, Survival, Beneficiaries & Two-Year Death-Based LimitationCrash investigation, evidence preservation and deadline issues.›23American Samoa Settlement, Releases, Medical Benefits, Workers’ Compensation, Liens & SubrogationSettlement, release and claim closure.›

Case Authority

24American Samoa Auto Insurance & Crash Law Case Authority LibraryJurisdiction-specific legal issue guide.›

Guide 01 · American Samoa Citizen’s Guide

How to use this library before making a final claim decision

1Find every source of coverage or benefits

Start with the coverage-finding guide and identify compulsory, statutory and policy-based benefits separately.

2Build the liability map

Identify drivers, owners, employers, rental or for-hire operators, government entities and insurers that may have distinct statutory roles.

3Preserve proof and deadlines

Use the investigation/deadline guide and maintain a separate calendar for claims, notices and suit limitations.

4Verify before finality

Read the settlement/release guide, the case-authority library and official sources before release.

American Samoa Published-Law Snapshot

Issues identified in the existing American Samoa library

10 / 20 / 5

American Samoa requires at least $10,000 per person, $20,000 per accident bodily injury and $5,000 property damage for ordinary motor vehicles.

10 / 50 / 10

Vehicles used to transport passengers for hire, including taxicabs, carry higher aggregate bodily-injury and property-damage minimums.

Statutory right

An injured person may sue a liability insurer directly within the terms and limits of the policy, even if the policy contains a contrary provision.

Pure comparative negligence

Contributory negligence does not bar recovery; damages are reduced in proportion to the claimant’s negligence.

American Samoa Bar Association Code Annotated

Annotated territorial code, including compulsory motor-vehicle insurance statutes.

American Samoa Bar Association Case Law

High Court of American Samoa decisions and annotations.

Currentness status: carried forward from the existing hub; layout normalization is not legal-currentness certification.

Primary Research

Official American Samoa research sources

How this library stays current

Build the complete American Samoa coverage and claim map

1. Identify the issue and open the relevant jurisdiction guide.

2. Verify current statutes, regulations, program rules, policy language and controlling authority.

3. Keep legal currentness, source integrity and publication checks separate from layout normalization.

Build the complete American Samoa claim map before closing the file.

Identify compulsory and policy coverage, responsible parties, proof, deadlines, reimbursement interests and release consequences.