Hawaii Auto Insurance
No one would deny the popularity of the Hawaiian Islands, and for many visiting these beautiful islands is a dream come true. Thousand of visitors come daily and because of it there are many vehicles traveling the roads daily. This also puts a strain on the traffic situation and makes Hawaii state very concerned for the road safety of its many citizens. Hawaii auto insurance is a must, and sufficient protection is of utmost importance.
Hawaii Auto Insurance Requirements
Hawaii is a no fault insurance state, to ease the insurance worries of its many residents. By providing no fault insurance, the government of Hawaii intends to provide lower premium coverage and reduce the amount of lawsuits pending in court.
All Hawaii auto insurance companies must provide medical coverage against injury regardless of who caused the accident. Hawaii residents must carry Personal Injury Protection (PIP) to pay for any expenses over and above their current health insurance protection.
Even though Hawaii is a no fault state, usually car accident claims are very costly and even though there is no fault coverage if the accidents claims are higher than what the basic insurance covers, the driver who is at fault will have to pay the additional costs. Therefore Hawaii auto insurance company’s coverage must include bodily injury liability and property damage. The breakdown of basic coverage is as follows:
- Bodily Injury Liability – This insurance is to cover medical expenses that the driver who is at fault has caused because of the accident. The total amount paid out for one single injured person in the other car is $20,000 is basic coverage is selected.
- A total sum of $40,000 will be dispersed to cover more than one injured person in the other car.
- Property Damage Liability – The basic coverage of $10,000 is to cover damage to the public and private property in the collision, and for damage to the other vehicle.
These amounts are low and higher coverage is recommended.
Hawaii recommends that its motorists carry Comprehensive and Collision Coverage to protect from damage caused by wildlife or natural causes, or if they sustained damage to their own vehicle when they were deemed to have caused the accident.
