Having motor vehicle insurance is essential to owning a motor vehicle in Hawaii. Hawaii State law requires that your vehicle be insured throughout the motor vehicle registration period and that you have a valid Hawaii motor vehicle insurance identification card in you motor vehicle at all times. You can be ticketed and fined if you operate a vehicle without the required motor vehicle identification card.
If you don't have insurance on your motor vehicle, you must surrender the registration certificate and license plates to the county director of finance. And when you do that, you will not be able to drive the vehicle.
Hawaii is a considered a "no-fault state", which means your motor vehicle insurance company will pay the bills for your injuries and your passengers' injuries up to the personal injury protection benefits ("PIP") limit. And you cannot sue or be sued unless there are serious injuries. Because "no-fault" applies to injuries, not to vehicles or property, the driver-at-fault in an accident is responsible for damages to vehicle and property.
Your minimum motor vehicle insurance policy must have protection for you and your passengers of $10,000 per person personal injury protection benefits. This is for paying medical and rehabilitative costs.
Your mandatory coverages also include:
- $20,000 for bodily injury or death to one person.
- $40,000 total per accident for bodily injury or death.
- $10,000 for damage to property.
These cover damages for the injured party when you are at-fault in an accident.
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