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Auto Insurance Requirements in Hawaii

Hawaii has a zero-tolerance policy on uninsured drivers. Anyone pulled over without a current insurance card will lose his or her license plates and vehicle registration until proof of insurance is established. There may also be fines assessed.

According to the Hawaii Department of Commerce and Consumer Affairs the state is a considered a “no­fault state”, which meansyour motor vehicle insurance company will pay the bills for your injuries and your passengers’ injuries up to the personal injury protection benefits (PIP) limit.

And you cannot sue or be sued unless there are serious injuries. Because “no-­fault” applies to injuries, not to vehicles or property, the driver­at­fault in an accident is responsible fordamages to vehicle and property.

Insurance fraud

Hawaii auto insurance fraud can include staging an accident to collect from another person's insurance coverage, abandoning a car and reporting it stolen or misrepresenting accident facts in order to collect insurance payouts.

According to insurance industry website, InsWeb, insurance fraud is up 61 percent in the state of Hawaii. InsWeb indicates that the economy is the driving force behind these new fraudulent insurance claims.


Driving Under the Influence

More than 5,000 accidents happen every year that are the result of people driving under the influence of alcohol in Hawaii. Roughly 50 of these injuries result in fatalities, and in all of these accidents, the driver's blood alcohol level (BAC) was either at the legal limit of 0.08 or above.

Strange Laws in Hawaii

Hawaii has its own fair share of unusual laws. According to Hawaii Funny Laws, it is illegal not to own a boat in Hawaii. It is also illegal to place a coin in your ear, and if you are in a public park, it is illegal to annoy a bird.

An Interesting Fact

Did you know that some of Hawaii's smaller islands are not named? According to a realty website, any unnamed island in Hawaii is considered part of Honolulu.

Driving in Hawaii

Driving in Hawaii is anything but ordinary. The biggest Hawaiian island is Hawaii and is nicknamed "The Big Island." On a three-day Big Island driving tour, where the entire island is explored via roadways, travelers will experience lush landscapes, jungles, scenes of flowing lava and much more.

This tour is detailed on the National Geographic Website and in their book, "Drives of a lifetime."

Required Auto Insurance in Hawaii

Hawaii has stiffer auto insurance requirements for its residents. They do not allow drivers to be self-insured or depositing a bond as liability protection. Here are Hawaii's Insurance Requirements:

  • Bodily Injury of $20,000/$40,000
  • Personal Injury Protection of $10,000
  • Property Damage Liability of $10,000
  • Uninsured Motorist and Underinsured Motorist in the amount of $20,000/$40,000 are recommended but not mandatory
  • 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 care.

Vacation Destination

Millions of tourists go to Hawaii each year, mostly from the U.S. mainland and Japan. Hawaii residents must be especially observant and cautious because they may be sharing the roadways with drivers completely familiar with Hawaii's rules of the road.


 
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