Yes. Hawaii has a no-fault car insurance system. This means you generally need to first file an accident claim with your own insurance company. This might sound simple. But the reality is dealing with your own insurance company can be more complicated than you might suspect.
In addition, this might be just the first step in filing a car accident claim in Hawaii and seeking financial compensation. Many times, you can file an injury claim with the at-fault driver’s insurance company or seek compensation from them.
Is car insurance mandatory in Hawaii?
Yes. All drivers in Hawaii are required to have car insurance in order to legally drive a vehicle. The mandatory minimum car insurance requirement in Hawaii is:
- $10,000 for personal injury protection (PIP) coverage, which pays for medical expenses and rehabilitative costs, regardless of who was at fault. This is also known as “no-fault insurance.”
- $10,000 for property damage liability insurance, which pays for vehicle damage and other property damage in an accident the policyholder causes.
- $20,000 per person for bodily injury insurance for any single injury victim.
- $40,000 per accident for bodily injury insurance for multiple victims.
What types of optional car insurance are available in Hawaii?
Along with Hawaii’s minimum car insurance requirements, drivers can choose to get additional car insurance coverage. Some of the most common optional car insurance options in Hawaii include:
- Collision Coverage – Pays for damage to your vehicle in case of a collision involving another vehicle, regardless of who's at fault.
- Comprehensive Coverage – Covers the cost of vehicle repairs due to events beyond your control, such as theft, vandalism, fire, natural disasters or collisions involving an animal.
- Uninsured/Underinsured Motorist (UM/UIM) Coverage – Protects you in the event of an accident with a driver who does not have insurance or does not have enough insurance to pay for your accident expenses.
- Rental Reimbursement Coverage – Covers the cost of renting a car while your vehicle is being repaired after an accident.
- Roadside Assistance Coverage – Offers help when your car breaks down on the road, covering roadside services like towing, tire changes, jump-starts and fuel delivery.