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Required Motor Vehicle Insurance Coverage

Explanation of Coverages

Hawaii law requires all motor vehicles to have the following insurance:

1. At least $10,000.00 in Personal Injury Protection Benefits to pay for medical expenses of any owner, occupant, or user of an insured motor vehicle as well as pedestrians and bicyclists involved in a motor vehicle accident regardless of whether that person was at fault for causing the accident. Hawaii Revised Statutes §§ 431:10C-301 & 431:10C-304.

2. At least $20,000 per person and $40,000 per accident in Liability Coverage for all injuries and damages caused by the at fault insured;

3. At least $10,000 in Property Damage to cover the at fault insured.

4. Insurance companies must also offer its insureds the option to have Uninsured and Underinsured Motorist Coverage as well as the option to “Stack” these coverages if the insured has multiple vehicles insured under the policy. See my blog post explaining Uninsured and Underinsured Motorist Coverage.

5. Other Optional Additional Insurance. In addition to the above coverages, insurance companies are required to make available for its insureds at least the following optional insurance (there are other optional insurance coverages available):

a. Coverage for loss resulting from damage to the insured’s vehicle (collision and comprehensive).

b. Coverage for wage loss benefits.

c. Minimum coverage of $25,000 for death benefits for deaths arising out of a motor vehicle accident and $2,000 for funeral expense.

Contact an Experienced Personal Injury Lawyer

No matter what your situation is, you should contact an experienced personal injury attorney. Louis P. Mendonca, Attorney at Law will fight to protect you and your family’s rights and explain to you in plain English language the insurance coverage available to protect you and your family.

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