Hawaii Auto Insurance Quote
Hawaii Auto Insurance Information – HI Car Insurance Comparisons
Having car insurance is vital to owning a vehicle in Hawaii. State law in Hawaii requires your vehicle to be insured throughout the registration period and that you posses a valid Hawaii car insurance identification card in you automobile at all times. You can be ticketed if you operate a motor vehicle without the required auto insurance identification card.
If you don’t have car insurance on your vehicle in Hawaii, you must surrender the certificate of registration and license plates to the director of finance. And once you do that, you may no longer drive the vehicle.
Hawaii is a “no-fault” state, which means your auto insurance company will pay the expenses for your passengers’ as well as your injuries up to the personal injury protection (PIP) limit. And you may not sue or be sued unless serious injuries exist keeping in mind that, if found to be at fault, you might be sued for collecting damages. Since the “no-fault” clause applies to injuries, not to property, the at-fault driver in an accident is liable for damages to property and vehicle.
Auto Insurance Minimum Auto Insurance Requirements
If are a resident of the Hawaiian Islands, law requires you to carry the following minimum auto insurance coverages:
- $20,000 bodily injury coverage per person
- $40,000 bodily injury coverage per accident
- $10,000 property damage coverage and
- $10,000 personal injury protection (PIP)
Optional car insurance coverages you may want include: comprehensive and collision, underinsured (“UIM”) and uninsured (“UM”) coverages, alternative care (such as faith healing, acupuncture and naturopathy), wage loss, death and funeral benefits (auto insurance coverage ranging from $25,000 to $100,000), PIP managed care and PIP deductible.
Your auto insurance agent or car insurance company should advise you about uninsured and underinsured motorist auto insurance coverage options and your right to decline auto insurance coverage in writing. You may purchase uninsured motorist car insurance coverage, a $20,000 minimum per person, to pay for death or serious injury if the other driver does not have car insurance or is guilty of a hit and run accident. You may also purchase underinsured motorist car insurance coverage at a minimum of $20,000 per person if the other driver (found at fault) does not have adequate insurance according to the state of Hawaii.
Your auto insurance company or auto insurance agent should help you determine the best car insurance coverages for your individual needs.