Bodily Injury Requirements in Hawaii
Bodily injury liability pays for the medical payments of another party when you're at fault for an auto accident. Hawaii has its own requirements that every driver must obtain in order to comply with state law.
Bodily injury liability in the amounts of $20,000 per person and $40,000 per accident are required in Hawaii. Review your limits to ensure that they are accurate and sufficient before taking to the open road.
Property Damage Requirements in Hawaii
Property damage liability helps pay for another party's damaged property when you're at fault. In Hawaii, you're required to carry the minimum limits set forth by state law.
You'll need to maintain insurance in the amount of $10,000 in property damage liability to use the roadways in Hawaii. Often, insureds increase this limit to have more robust coverage.
Personal Injury Protection Requirements in Hawaii
Hawaii requires personal injury protection, or PIP, in addition to your liability limits. The amount of PIP that you obtain is up to you, but a local adviser can present options.
PIP pays for medical expenses resulting from in an accident. Without this coverage, you'll be on the hook for any medical bills that health insurance won't pay for.
Uninsured Motorist Coverage in Hawaii
In Hawaii, uninsured motorist coverage is an option that you can add to your auto policy. This limit of protection will help you pay for damage or injury due to an accident with an uninsured driver.
Unfortunately, 10.6% of Hawaii's drivers are not insured. Just because car insurance is required, does not mean everyone complies with local law.
Optional Car Coverage in Hawaii
To have full protection you'll need more coverage than the minimum liability limits required. Collision insurance and comprehensive insurance will pay for damage to your vehicles in the event of a loss.
You can add roadside assistance for when you're stranded, and rental car coverage for when you need a replacement vehicle. If you have a newer car with a loan, gap protection might be a good idea to cover the difference between your loan and the market value of your new ride.
Car Insurance Discounts to Consider in Hawaii
When living in Hawaii, you might be looking for ways to save on car coverage. A discount on insurance can be obtained in several ways, depending on what you qualify for.
Having multiple policies with the same carrier is the easiest and biggest discount you can get, and most carriers cut costs 30% or more. Another way to save is by being part of an association such as a teachers union or government agency. And if you're keen on staying with the same insurance company for a number of years, you could get a loyalty discount.
How to File a Car Insurance Claim in Hawaii
A car insurance claim in Hawaii can be confusing to file when you're already dealing with an accident. If you have a trusted agent and action items, you can be on your way to reporting a loss easily.
First, you'll want to seek any necessary medical attention. Second, report the claim to your independent insurance agent. Third, obtain your new claim number and set up a rental car if coverage allows. Last, connect with your assigned adjuster and collect payment for the loss.