If you are caught driving without insurance in Hawaii, you can face fines ranging from $500 to $5,000 or community service of 75 to 275 hours, and your license will be suspended until proof of insurance is provided. Repeat offenders can also face the suspension of their vehicle registration and potential jail time.
Despite this, an estimated one in ten motorists in this state is driving while uninsured.
If you are in an accident that was caused by an uninsured driver, that person is responsible for covering your damage and any related medical bills. However, if the uninsured driver simply doesn’t have the funds available, you may be forced to hire a lawyer and take legal action just to collect a fraction of what is due to you.
That is why uninsured motorist coverage can prove so beneficial.
This optional coverage can pay for your medical treatment and other injury-related expenses the go beyond what your PIP can cover if you or your passengers are hurt in an accident caused by an uninsured, underinsured, or hit-and-run driver. Your insurance company will then take on the time-consuming task of trying to collect the money owed by the at-fault driver, and will absorb the costs if unsuccessful.