In Hawaii, like in many other states, having auto insurance is mandatory in order to legally operate a vehicle. The state has certain requirements for auto insurance coverage that all drivers must meet.
1. Minimum Liability Coverage: In Hawaii, drivers are required to have liability insurance coverage. The minimum limits for liability coverage in Hawai'i are $20,000 per person for bodily injury, $40,000 per accident for bodily injury, and $10,000 per accident for property damage.
2. Personal Injury Protection (PIP): Hawaii also requires drivers to have Personal Injury Protection (PIP) coverage. This coverage helps pay for medical expenses, lost wages, and other costs resulting from injuries sustained in a car accident, regardless of who is at fault.
3. Uninsured/Underinsured Motorist Coverage: Drivers in Hawaii must also have uninsured and underinsured motorist coverage to protect themselves in case they are involved in an accident with a driver who lacks insurance or adequate coverage.
It's important for drivers in Hawaii to understand and comply with these auto insurance requirements to avoid penalties and ensure financial protection in the event of a car accident. Drivers should review their insurance policies regularly to make sure they meet the state's requirements and have adequate coverage.
If you have any further questions or need assistance with obtaining auto insurance in Hawaii, it is recommended to speak with a licensed insurance agent or insurance provider to ensure you have the right coverage for your specific needs and circumstances.
