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The Personal Automobile Policy:
a personal auto policy combines mandatory liability and optional property coverage in a
single policy form. It is divided into two basic sections: Section I - Liability
Coverages and Section II Property Coverages.*
| Accidents: | Collision with another vehicle or object. Enter the number
of collisions that you were found to be at fault within the last three
years. <back> |
| Minor Violations: | Minor moving violations include offenses such
as speeding, illegal turns and failure to make a complete stop. Enter the
number of minor violations occurring within the last three years. <back> |
| Major Violations: | Major moving violations include offenses such
as DUI, reckless driving, or a hit and run. Enter the number of major
violations occurring within the last three years. <back> |
| Liability Coverages: |
Provides protection from
economic loss due to the negligent acts arising out of the ownership,
maintenance, or use of an insured motor vehicle. These are mandatory coverage's as required by Hawaii state law. Uninsured Motorists Coverage and Underinsured Motorists Coverage are mandatory unless reduced or rejected in writing. |
| Bodily Injury: | Hawaii Law requires bodily injury liability
coverage of not less than the basic limits of $20,000 per person/$40,000
per accident. Bodily injury liability coverage pays the amount, up to the
limit of coverage, which you are legally responsible to pay for injuries
to others caused by a motor vehicle accident. <back> |
| Property Damage: | Hawaii Law requires property damage liability
coverage of not less than the basic limit of $10,000. Property damage
liability coverage pays the amount, up to the limit of coverage, which you
become legally responsible to pay for damage to property of others caused
by a motor vehicle accident. <back> |
| Personal Injury (PIP): | Hawaii Law requires Personal Injury Protection
(PIP) coverage of not less than the minimum limit of $10,000 per person.
PIP pays the amount, up to the limit of coverage, for medical expenses you
may incur as a result of a motor vehicle accident. <back> |
| PIP Deductible: | You may select a deductible that will enable
you to reduce your PIP premium. In the event of an accident, you will be
responsible for the payment of the deductible amount. <back> |
| Uninsured Motorist: | This coverage pays for bodily injury damages
the insured would be legally entitled to recover from the operator of an
uninsured auto caused by an accident arising out of the ownership,
maintenance, or use of the vehicle. An uninsured vehicle is one that has no
liability coverage. This coverage is mandatory unless reduced or rejected in writing.
It will be added at the same limits as your Bodily Injury coverage. <back> |
| Underinsured Motorist: | This coverage fills in the gaps that may exist
between an underinsured motorist's bodily injury insurance limit and the
damages for bodily injury the insured is legally entitled to, if greater.
This coverage pays an insured who suffers bodily injury when struck by an
at-fault driver who has some but not enough liability coverage to pay
damages. This coverage is mandatory unless reduced or rejected in writing.
It will be added at the same limits as your Bodily Injury coverage. <back> |
| Physical Damage Coverages: | This optional portion of the contract provides
physical damage coverages for the insured automobile. Physical damage
coverage includes two type of coverages: collision and comprehensive. <back> |
| Comprehensive: | This provides coverage for any direct and
accidental damage to the vehicle other than collision.
Comprehensive coverage is essentially all-risk and includes damage caused
by theft, fire, vandalism, flood, and many more. This quote will include a
$250 deductible which can be adjusted to better suit your needs. <back> |
| Collision: | This coverage pays for direct accidental loss
due to upset or collision of the vehicle with another object. Collision
coverage would provide protection for and insured auto due to a collision
with another vehicle, collision with another object, and upset or overturn
of the vehicle. This quote will include a $250 deductible which can be
adjusted to better suit your needs. <back> |
| Towing: | This pays the towing costs and labor performed
at the place or scene of disablement. Any labor must be performed at the
scene of disablement and any cost of replacement materials is not covered. <back> |
* Please refer to your policy for specific details on coverage and exclusion details.
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