vehicle insurance is essential to owning a motor vehicle in Hawaii.
Hawaii State law requires that your vehicle be insured throughout
the motor vehicle registration period and that you have a valid
Hawaii motor vehicle insurance identification card in you motor
vehicle at all times. You can be ticketed and fined if you operate
a vehicle without the required motor vehicle identification card.
If you don't have insurance on your motor vehicle, you must surrender the registration
certificate and license plates to the county director of finance. And when you
do that, you will not be able to drive the vehicle.
Hawaii law requires Personal Injury Protection of not less than the minimum amount
of $10,000 per person. Personal Injury Protection pays the amount, up to the
limit of coverage for medical and rehabilitative expenses you may incur as a
result of a motor vehicle accident.
Your mandatory coverages also include a $20,000 per person/$40,000 per accident
bodily injury liability and a $10,000 per occurrence property damage liability.
These cover damages for the injured party when you are at-fault in an accident.
Optional coverages and options you may purchase include: collision
and comprehensive, uninsured ("UM") and underinsured ("UIM")
coverages, wage loss, alternative care (including healing methods
such as naturopathy, acupuncture
and faith healing), death benefits (coverage range from $25,000 to $100,000),
funeral benefits, (the coverage is $2,000), PIP deductible and PIP managed
Your insurance agent must advise you about your uninsured and underinsured motorist
coverage options including your right to decline coverage in writing. You may
purchase at a minimum $20,000 per person uninsured motorist coverage to pay for
serious injury or death if the driver at fault does not have insurance or in
case of a hit and run accident. You may also purchase at a minimum $20,000 per
person underinsured motorist coverage to pay if the driver at fault does not
have enough insurance.
We can help you decide on the best coverages at the best price for your individual
situation and needs.