Hawaii Auto Insurance Attorney

The state of Hawaii requires automobile drivers to purchase bodily injury liability coverage and property damage liability coverage. At a minimum, the driver must have bodily injury liability coverage of at least $20,000 per person injured in any one accident and $40,000 total for all persons injured in any one accident. Additionally, the driver must have a minimum of $10,000 property damage liability coverage for the destruction of the property of others as a result of an automobile accident. This is often represented as 20/40/10 coverage. Hawaii state law requires the purchase of personal injury protection coverage with a minimum limit of $10,000 to cover reasonable and necessary medical expenses sustained by the policyholder and/or the policyholder's passengers.

Automobile drivers have the option of purchasing uninsured motorist/underinsured motorist bodily injury coverage. This type of insurance is meant to cover bodily injuries caused by an uninsured/underinsured driver. If a person chooses to purchase uninsured/underinsured motorist coverage, the coverage may be purchased in any amount not less than the amount of bodily injury coverage required by law.

Hawaii follows a No-Fault system. Under such a system, the insurance company will pay injury claims, regardless of fault, up to a specified limit; however, some of the legal rights to sue a negligent driver under a No-Fault system are significantly limited. Details of a No-Fault system vary from state to state. As such, please check state insurance regulations to determine the current details of the Hawaii No-Fault system.

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