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Understanding the Law
Hawaii is a "no fault" state. Simply put, this means that each driver's Hawaii car insurance company pays for its insured's injuries, regardless of who is at fault in an accident.
As a Hawaii driver, you must register, license and insure your car in order to live and drive in the state. You must also carry a valid Hawaii car insurance identification card in your vehicle at all times as proof of financial responsibility in case of an accident. Ignoring these laws can bring stiff tickets and fines.
The minimum Hawaii car insurance coverage contains protection for you and your passengers of $10,000 per person in personal injury protection (PIP). This covers your own medical and rehabilitation expenses resulting from an accident, regardless of who was at fault.
You must also insure against bodily injury (BI), which pays for injury you cause others. The minimum amount of bodily injury coverage you may purchase is $20,000 per person, and $40,000 per accident for all injuries.
As for damage to yours or the other driver's car or personal property, whoever is at fault in the accident is held financially responsible for those.
You may think buying Hawaii car insurance is an expensive proposition…but driving without it can be even more expensive. Don't risk your own life or the lives of others! Make sure you buy plenty of Hawaii car insurance protection.
One type of Hawaii car insurance your lender may require is physical damage coverage. This pays for damage to your own car in case of an accident.
Physical damage coverage consists of:
Collision insurance: pays for damage incurred when you're involved in an accident with another car or fixed object.
Comprehensive insurance: pays for damages due to other causes, such as hail, fire or theft.
Two other types of Hawaii car insurance you might want to consider are Uninsured Motorist and Underinsured Motorist. The former covers your own bodily injury when involved in a hit-and-run accident—or when hit by a driver who is at fault but has no insurance. The latter pays the difference between your uninsured motorist coverage and the at-fault driver's liability coverage.
Talk to a knowledgeable Hawaii car insurance agent to determine if you need collision, comprehensive, uninsured or underinsured motorist coverage for your car.
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