To drive in Hawaii, you need to have the right auto insurance coverage. The state has minimum requirements that you have to meet. You will need to have personal liability insurance as well as personal injury protection, or PIP, when you have a vehicle in the state.
Minimum Acceptable Auto Insurance in Hawaii
In Hawaii, you are required to have PIP insurance. You should have a minimum PIP limit of $10,000. This insurance is used to cover your injuries and any other injuries that occurred to passengers in your vehicle.
On top of this, you will need to have personal liability insurance. Your liability insurance must meet the following requirements:
- $20,000 for bodily injuries (per person)
- $40,000 for total bodily injury in a multi-person collision
- $10,000 for property damage
Accident fault does matter in Hawaii, so having this coverage will help you cover your financial losses, as well as someone else’s, if you cause a collision.
There are also some kinds of optional coverage to consider, such as collision coverage, comprehensive coverage, underinsured motorist coverage or uninsured motorist coverage. The state minimums are just that: Minimums. You have the option to get better insurance if you would like.
If you have a poor driving history, you may need to opt for insurance through Hawaii’s joint underwriting plan.
Required Insurance Documents
In Hawaii, you do need to carry your insurance identification card with you at all times. If you are stopped and do not have this card available for the police officer, then you can face a citation or other penalties.
Insurance Cards in Hawaii
Insurance cards are essential in Hawaii. Instead of using digital insurance cards, you should use a physical card when you drive. Keep one in your glove box, so you have it on you with your registration information.
Reporting Insurance Fraud in Hawaii
Fraud is a major cause for increased insurance rates in Hawaii and other states. Insurance fraud involves many different situations, but some of the most common include:
- Lying about the repair or damage costs
- Lying about the significance or seriousness of injuries suffered in a collision
- Staging auto accidents
It is important for people to report fraud if and when they see it, so that rates can be reduced and money can be saved by everyone. If you believe that you know someone who has committed fraud, you can report it to the Hawaii Insurance Division Insurance Fraud Investigation Branch.
Mail this to:
Insurance Fraud Investigation Branch
P.O. Box 3614
Honolulu, HI 96811
You should include the Suspected Fraudulent Claim Referral Form with this letter.
You can also report fraud by calling the Hawaii Insurance Division. To do that, call (808) 597-7416.Remember, insurance fraud could be committed by anyone, but reporting it can help you and others save money on your auto insurance rates in the future by reducing fraudulent payouts.