“Aloha” is the greeting to visitors on the jewel of the Pacific: the Hawaiian Islands. Pineapples, coconuts, hula skirts, surfing and volcanoes are just a few of the popular tourist attractions of this island paradise. If you plan to drive a motor vehicle in the State of Hawaii, make sure you have the proper insurance.
Hawaii Motto: “Life of Land Perpetuated in Righteousness”
The Hawaiian islands were formed from volcanoes spewing lava into the Pacific Ocean. Hawaii is officially the most southern of all of the American states. Tourists can appreciate the numerous areas administered by the National Park Service: Haleakala, Hawaii Volcanoes and Kalaupapa, to name a few. Oahu is the only island to have federal interstate highways, the others depend on state highways.
Minimum Hawaii Insurance Coverage
The State of Hawaii is a no-fault insurance state requiring a minimum of coverage for personal injury and property damage. Here are the minimum requirements:
- $20,000 for bodily injury or death per person
- $40,000 for bodily injury or death per accident
- $10,000 for property damage or destruction
Select Your County Below to Start the Insurance Quote Process:
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Penalties for Non-Compliance
There are a range of penalties that can be levied for failure to carry adequate car insurance under “Hawaii Statutes, Section 431:10C-117.” The first offense for not carrying adequate car insurance could lead to a fine of $500, community service between 75 to 100 hours and suspension of license for 3 months. Subsequent offenses (within a five-year period) could incur a fine ranging from $1,500 to $5,000, community service from 200 to 275 hours and suspension of license.
If there are multiple convictions for the crime of driving without car insurance (within a five-year period), then the court can levy a punishment of jail time of less than 30 days, revocation of registration and impounding of the vehicle (the motorist will be forced to pay the costs of seizure, storage and sale of said vehicle.) Hawaii uninsured motorists rank 37th worst in the nation.
Hawaii is No-Fault State
As a no-fault insurance state, Hawaii allows you to file a claim directly with your own insurance company. The court process can take a lot of time as lawyers collect evidence, schedule hearings and seat a jury. With no-fault insurance, you can get paid quickly; then your insurance company can sue the guilty party for reimbursement.
So, if you want to spend some quality time in Hawaii, remember to say “Aloha” and get your car insurance. Simply fill out the form above for a free quote.