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| Hawaii Auto Insurance |
All states have a separate set of laws and regulations that residents or people who drive there must follow. It is important, if you will be living or driving in the state of Hawaii to familiarize yourself with these laws, so as not to violate them.
Each state has minimums, requirements, and carries its penalties and fines in different ways. If you are not familiar with any of the terms on this page, please visit www.insurancenews.eu.org and search for any topic you would like to know more about.
Before buying auto insurance in Hawaii, it's important to know that Hawaii is a no-fault state, but operates differently in these terms. This means that even if you are at fault in the event of an accident, you will be covered by the minimum limits set as will be explained below.
This rule only applies to personal injuries, however, if the victim's medical bills exceed $5,000 he or she can sue for any remaining damages. If damage occurs to any property, the victim can also sue for additional funds.
Hawaii's rules and regulations regarding auto insurance require that each registered vehicle be covered for a minimum of $20,000 per bodily injury. $40,000 minimum for multiple victims or per accident, and $10,000 liability for property damage. Property damage can include physical damage to homes, businesses, doors, stud lines, etc.
Also, cars registered in this state must have Personal Injury Protection also known as PIP with a minimum of $10,000. You are not required to carry Uninsured or Insured Driver Cover, but you must certify that you waive this coverage in writing to your auto insurance company. If you're hit by a car, and the person doesn't have insurance, or their car insurance doesn't cover enough expenses and damage, you may be out of luck.
If you have other family members or people living in your home who drive your car, they are excluded from your auto insurance policy. It's important to review these rules, otherwise you won't be covered and can't make a claim. Read all the fine print and ask all the right questions before signing any contract. Know what you're signing for and when and how you're protected under all circumstances.
Many tourists and travelers in this beautiful country. If you're renting a car, you'll be covered automatically by your credit card company, or even homeowners' insurance. If not, you'll need to purchase minimum liability coverage. If you drive off-road in Hawaii, all insurance policies become void, so it's important to obey the rules and ride safely.
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