Compulsory no fault coverage is the type of car insurance in Hawaii, meaning in the case of an accident with bodily injury, each party would claim from his or her own coverage first. There are restrictions on lawsuits and a monetary threshold for lawsuits is in place. If bodily injury costs do not exceed the threshold, injured parties cannot sue. When you are looking for car insurance in Hawaii make sure you at least have the state minimum.
Compare Auto Insurance: Mandatory Hawaii Coverage
In Hawaii, the mandatory coverage is a little different than in most other states. You must carry liability limits that are at least $20,000 bodily injury per person involved in an accident, $40,000 bodily injury in total per accident and $10,000 property damage per accident. You must also carry PIP (personal injury protection) in the amount of at least $10,000. This is where your first claim for bodily injury comes from. If your claim surpasses $5000, you can make a claim against the at-fault party's liability coverage. Most insurers will suggest higher limits on both types of mandatory coverage.
Compare Auto Insurance: Suggested Hawaii Coverage
Even though comprehensive and collision coverage are not mandatory in Hawaii, they are required by lenders who hold notes on vehicles that are financed. Both types of coverage are also good for those who have a vehicle with a relatively high value or one that you cannot afford to easily replace. Comprehensive will provide for claims involving storm damage, theft, fire, etc. Collision will provide for claims arising from at-fault accidents.
Uninsured motorist coverage is another highly recommended type of coverage to carry. Hawaii has11.2% of drivers without insurance, making them the 31st worst state for the issue. While not the best nor the worst, UM coverage is good to carry in Hawaii.
You may also want to consider towing and labor cost coverage in case your car breaks down or rental reimbursement in case your vehicle is unusable for a period of time.
