Hawaii Auto Insurance Legislation

Hawaii is like many other states, where they usually require their drivers to maintain a minimum level of Hawaii auto insurance coverage. This insurance must be maintained continuously with documentation to prove they own insurance. If the driver is unable to continuously keep insurance, they may have to pay a fine, as well as surrender the plates on their vehicle and their registration.

Personal Injury Protection

PIP usually covers the costs associated with medical bills, for the policyholder and their passengers. Hawaii refers to this coverage as no-fault. That usually means that blamed is not placed on either driver when a collision occurs. Each insurance company is responsible for covering the costs of their own customers. Unless the injuries are considered serious, lawsuits are not usually a factor. A driver in Hawaii must usually have PIP coverage that is at least $10,000 for each individual.

Bodily Liability Coverage

This coverage will usually handle the medical expenses that occur to other people when you cause a collision. Bodily liability coverage will generally protect people from lawsuits if the injuries that another person suffers from are serious. Hawaii auto insurance usually requires their drivers to have a minimum amount of $20,000 for each individual on their policy, as well as $40,000 for everyone that suffers from an injury. Bodily liability does not usually handle the medical expenses for their policyholder.

Property Damage Coverage

This type of liability coverage will generally cover the costs that are associated with the repairs or replacement of property that belongs to someone else, if you are the cause for the damage in a collision. This can usually include repairing someone’s vehicle or residence, as well as property that is public such as telephone poles and guardrails. The auto insurance law in Hawaii generally requires their drivers to have at $10,000 in property liability per accident.