For auto insurance, Hawaii law requires a minimum of $20,000 per person for bodily injury, $40,000 per accident for bodily injury, and $10,000 per accident for property damage liability. Personal injury protection is also required, with a limit of $10,000. Check with your auto insurance company by speaking with a representative to understand the details of coverages they offer. All coverages are limited to any terms and liabilities of your specific auto insurance company.

Bodily Injury Liability:
Bodily injury liability will cover the other motorist’s injuries, death, loss of wages, and pain and suffering costs. However, it does not cover the injuries, death, loss of wages, and pain and suffering costs of you or anyone else on your policy. You will need to purchase Medical Payment coverage for your policy or use your own health insurance if you want help paying for the medical expenses of yourself and/or your dependents (see Personal Injury Protection below). In the event you are sued by the other party, this coverage will also cover the expense of your representation in court. The representation is provided by your auto insurance company.

Property Damage Liability:
When you cause accidental damage to another person’s property with your vehicle — a vehicle, fence, post, wall, pole, etc — property damage liability will cover the costs of repairing the damaged property. It will also fund any legal costs that may ensue from the accident. Any additional costs exceeding your coverage limit will leave you paying for repairs out of pocket.

Personal Injury Protection:
Personal injury protection is just as it sounds. It covers the medical expenses for injuries inflicted upon you and your passengers, regardless of who caused the accident. Also, if your vehicle strikes a pedestrian, their medical expenses will be provided for through this part of your insurance policy. If you don’t have adequate health insurance to assist in paying for any accident-related bodily harm or if you frequently carpool, you should seriously consider increasing the amount of personal injury protection you carry.

Hawaii operates under a no-fault system, meaning the medical expenses of an individual’s injuries are the responsibility of that same individual’s auto insurance company, regardless of who was at fault for the accident. In other words, each person pays for their own medical expense. However, the driver at fault is solely responsible for repairs of the vehicle and/or property damaged. Under the no-fault system in Hawaii, a motorist may not sue the other driver for medical expenses unless the motorist has exceeded the monetary threshold, or monetary amount decided on by the state, in medical expenses from the accident. Only then may that motorist be permitted to sue the other driver to pay for the additional medical expenses.

You are required to carry proof of insurance in your vehicle at all times. If you are caught without auto insurance, you will be ticked and fined. You are also required to surrender your license plates and registration certificate to the county director of finance if you don’t have insurance on your vehicle.

Hawaii Auto Insurance Requirement Chart:

• Bodily Injury Liability: $20,000/$40,000 Limit
• Property Damage Coverage: $10,000 Limit
• Personal Injury Protection: $10,000 Limit

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