Whether you are zooming across the H-1 Freeway in Honolulu, or winding around a waterfall on a one-lane road in Hana, driving conditions in Hawaii can be both breathtaking and challenging. That is why it is important to have valid auto insurance and to be knowledgeable about the insurance requirements of the state.

You must carry a minimum of $20,000 per person, and $40,000 per accident, of bodily injury liability coverage, pursuant to Hawaii state law. It is also mandatory that you have at least $10,000 in Property Damage Liability coverage. Both coverages insure that the other driver will be compensated for his damages in the event that you are found to be the at-fault driver in a collision.

Hawaii is just one of many “no-fault” states. The law requires you to have at least $10,000 in Personal Injury Protection (“PIP”) benefits. This does not mean that no one is liable for an accident — it simply means that despite who is at fault, your insurance company will pay for both necessary and reasonable medical treatment for your passenger’s injuries, or your injuries, until the $10,000 threshhold is met. After the $10,000 limit is met, then one can file a claim or lawsuit against the at-fault party for damages.

Contact an insurance agent to find out more about both mandatory and optional coverages. Although uninsured (“UM”) and undersinsured motorist’s coverage (“UIM”) are optional, it may be a good idea to have this coverage in the event that you are seriously injured by someone who has no auto insurance or who has inadequate coverage to fully compensate you for your lost wages and medical bills.

Other optional coverages can be purchased such as death benefits and funeral benefits. Death benefits range between $25,000 to $100,000. Funeral benefits will cover $2,000 for your funeral expenses. The “Aloha State” recognizes alternative healing options such acupuncture and holistic medicine, and alternative care coverage can purchased from your auto insurer.

Fill out our quote form to obtain a competitive price for your vehicle insurance. We offer cheap auto insurance prices in Hawaii