Auto Insurance in Hawaii:

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Hawaii Auto Insurance

The auto insurance law of the state of Hawaii can be easily understood. But still, it's a must for every resident of Hawaii to know and be familiar with the existing Hawaii auto insurance policies.

HAWAII AUTO INSURANCE INFORMATION

The auto insurance law of Hawaii is currently under the no-fault system. This means that the auto insurance company will have to pay the cost of expenses of the insured person in spite of who was at fault in the accident.

However, the state's auto insurance law requires every driver to carry with them an insurance identification card. This will indicate the liability coverage and personal injury protection (PIP) coverage.

The PIP coverage is a main element in a typical no-fault auto insurance policy.

In Hawaii, the consumer can avail of additional PIP coverage like alternative medical care, lost wages coverage, death benefits, and funeral expenses.

The state drivers can also opt for a lower amount in the liability rates by resorting to PIP supervised protection.

The Hawaii auto insurance companies may also offer other possible type of coverage such as comprehensive, collision, uninsured motorists, and underinsured motorist's coverage.

THE ENTAILED TYPE OF COVERAGE

The Hawaii auto insurance law states that the required type of coverage includes bodily injury and property damage to the other person. It also embraces the personal injury protection or PIP coverage.

This means that payment shall be made to bodily injury referring to any physical injury or any injury that may result to sickness or death caused by the accident. Property damage, on the other hand, refers to damage to properties of the other person or to another person's tangible property as a result of the accident.

And because Hawaii is a no-fault state, the PIP coverage is included. This would refer to the bodily injury to the insured person regardless of who was at fault in the accident.

THE MINIMUM AMOUNT OF LIABILTY

The minimum amounts for the required liability coverage are as follows:

a) A minimum amount of $20,000 per person is required on the bodily injury liability coverage
b) A minimum mount of $40,000 per accident is required on the bodily injury liability coverage
c) A minimum amount of $10,000 per accident is required on the property damage liability coverage
d) A minimum amount of $10,000 per person is required on the PIP liability coverage

Nevertheless, not all auto insurance companies have the same premium rates. That's why it really pays to shop around for the best deal on auto insurance policies.

WHERE TO SHOP AROUND

Here are some of the best insurance sources you can explore. You can get started here.

You can also find a more full explanation on the Hawaii auto insurance law in the Auto Insurance In-Depth website or the state's Insurance division website.