Hawaii No Fault Auto Insurance

Hawaii is one of twelve states in the United States that uses a no fault style auto insurance system. Medical bills and damages are paid quickly regardless of fault avoiding long and costly litigation to decide fault. All motorists in Hawaii are required to carry no fault auto insurance and proof of no fault auto insurance. Driving without proof of insurance can result in a fine, driving without any no fault insurance at all may result in loss of registration.

Auto insurance companies licensed in Hawaii will automatically report your no fault car insurance coverage to the Hawaii Department of Transportation (DOT). Hawaii insurance companies must also report cancelled or dropped no fault auto insurance to the DOT to ensure that all cars in the state are in compliance with the law.

The minimum coverage required under Hawaiian no fault insurance law is as follows: $10,000 of personal injury protection, $10,000 of property damage coverage, $20,000 of bodily injury liability coverage. Uninsured motorist coverage or any other additional coverage is optional. The above is the bare minimum required by law.

Monetary damages need to exceed $5,000 before a driver can sue another in Hawaii. In this way Hawaii is not a pure no fault state, no state is pure no fault. Most states, Hawaii included, allow drivers to pursue non-monetary damages like pain and suffering after a certain threshold.

Helpful Hawaii No Fault Auto Insurance Links:

Hawaii Auto Insurance Quotes

Free Hawaii auto insurance quote links are made available to you below. To get a free auto insurance quote in Hawaii, click GO beside one of the auto insurance companies in the list below. Follow the instructions on how to get your free no obligation quote and if you like your quote, how to buy your Hawaii auto insurance online.

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