Hawaii Car Insurance

It is necessary for you to have proper Hawaii auto insurance for your automobile before driving on any road, highway, or street in Hawaii. You should carry along insurance identification card permanently in your vehicle and if need be show it to any specific law officer.

How do I get my Hawaii Auto Insurance?

You can insure your vehicle through licensed insurance companies. Such company officials help you arrive at requisite amount of insurance for your vehicle. They also guide you to claim your insurance amount in case of accidents. Normally, companies offer auto insurance through Hawaii Joint Underwriting Plan.

Renewals and Cancellations of your policy

Insurance companies can never cancel your existing policy. The only exceptions are-

If you do not pay your premium and
If your license is canceled or suspended

However, companies can refuse to renew coverage but with proper notification and within proper time besides offering coverage through joint underwriting plan.

Why should I take up Hawaii auto insurance?

It is mandatory for every vehicle owner to have Hawaii auto insurance. It is impossible to register your vehicle without auto insurance.

What will happen if I drive without auto insurance?

You face following penalties:-

Fine of $ 500 or community service work of 75-100 hours or
Three months suspension of your driver’s license or
Have to keep a nonrefundable insurance policy for six months

What does Hawaii auto insurance cover?

Bodily Injury Liability

If you cause any accidents, this coverage pays damages for injury or death of other driver or passengers in both vehicles and pedestrians. Coverage is a minimum of $ 20,000 for every person and $ 40,000 for every accident.

Property Damage (PD)

This pays for repair and replacement of other’s car and property with a minimum amount of $ 10,000 every accident.

Personal Injury Protection (PIP)

This pays medical expenses of all passengers, pedestrians, drivers, and others injured due to accident with a minimum amount of $ 10,000 for each person. You can increase such limits after enquiring with your insurance personnel.

Optional Coverage

You could opt for or opt out of certain coverage like collision coverage, comprehensive other than collision coverage, uninsured or underinsured motorist coverage.

Hawaii Car Insurance

Insurance Resources

Insurance Articles