Liability insurance pays for others' medical expenses and property damage after an accident you were responsible for. In addition, drivers in Hawaii will need to purchase $10,000 in personal injury protection coverage to satisfy the state's minimum car insurance requirements.
If Hawaii drivers do not purchase at least the minimum amounts of car insurance coverage required by Hawaii law, they can face penalties for driving without insurance.
Drivers should also consider purchasing other types of car insurance in order to better protect themselves, given that liability insurance does not provide any coverage for the policyholder's own injuries or property. For instance, both collision insurance and comprehensive insurance cover damage to the policyholder's car. You will likely also need these types of insurance if your vehicle is financed.
You need enough liability insurance to cover your net worth. Having coverage equal to the value of the assets you own and all the money you have, minus your debt, protects you financially in case of a serious car accident.
When to Carry Only the Minimum Liability Coverage
Although almost every state requires drivers to carry liability insurance, the minimum coverage is not always enough to cover the cost of an accident. It’s always...
No, uninsured motorist coverage is not required in Hawaii, as drivers can reject the coverage in writing. Still, insurance companies are required to offer at least $20,000 in uninsured motorist bodily injury coverage per person (up to $40,000 per accident).
Uninsured motorist bodily injury (UMBI) coverage pays for the medical bills of the policyholder and their passengers who were injured in an accident with an uninsured motorist. The per-person limit applies to each person injured, while the per-accident...
Yes, personal injury protection (PIP) is required in Hawaii. Drivers in Hawaii are required to have at least $10,000 of PIP coverage for medical expenses, plus additional categories of coverage for especially serious accidents.
Personal injury protection helps ensure that everyone on the road in Hawaii has some financial assistance for medical payments in the event of a collision. Drivers in all no-fault states are required to have PIP because they are restricted in...
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