Hawaii Auto Insurance

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Always get quotes from several Hawaii auto insurance companies, as rates can vary substantially, even when looking for the same coverage.

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Hawaii auto insurance regulations dictate that car owners and drivers maintain a certain amount of liability coverage. The mandatory coverage includes: $20,000 per person for bodily injury, $40,000 per accident for bodily injury, $10,000 per accident for property damage, and $10,000 personal injury protection, or PIP. This type of coverage is referred to as 20/40/10/10. Why do Hawaiians need to secure so much liability insurance if the state follows No Fault laws? The state of Hawaii is, in fact, one of the few that has No Fault insurance, but the No Fault is reserved only for bodily injury. While bodily injury is covered by No Fault, the property and vehicle damage aspects of an accident fall under an 'at fault' umbrella.

There are two levels of No Fault systems: a verbal threshold and a monetary threshold. Under the verbal threshold the state dictates the degree of serious injury that must be satisfied or exceeded before an individual can sue for additional damages. Under the monetary threshold, which is what Hawaiian laws are based on, the state specifies a monetary amount that must be spent by the victim before they can attempt to get more benefits for damages from the insurance company. The Hawaii monetary threshold is $5,000. In other words, if you are injured in an accident and need medical care that costs more than $5,000, you may be able to sue the other driver for damages if they were at fault. The idea of 'No Fault' does not transfer into the courts of Hawaii. The whole point of No Fault insurance is to prevent drivers from suing other drivers for lost wages, pain and suffering or medical expenses, but this does not extend to every situation.

Be sure to educate yourself on the specifics of Hawaii auto insurance regulations. The state's laws are unique, and often confusing, but were intended to protect the car owners and drivers residing in, or visiting, this beautiful state. Insurance companies operating in Hawaii encourage motorists to invest in more than the minimum required coverage. Insurance policy upgrades may include collision, comprehensive or uninsured motorist insurance. It is recommended that car owners and drivers acquire total coverage in the amount of $100,000 to $300,000.

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