Hawaii Laws

Hawaii is a no fault state, meaning your insurance will cover damages you sustain in an accident (for medical bills and lost wages, up to your policy limits), but you may not recover from another party, unless your medical bills exceed your Personal Injury Protection (PIP).

Because Hawaii is a no-fault state, the insurance requirements are different than most other states. You must have a minimum of the following insurance amounts:

• $20,000/40,000 Bodily Injury Liability

• $10,000 Personal Injury Protection

• $10,000 Property Damage Liability

• $20,000/40,000 Underinsured Motorist (optional)

• $20,000/40,000 Uninsured Motorist (optional)

The statute of limitations is the period for which you are eligible to file the insurance claim and lawsuit. If it expires, you lose the benefits that you deserve to obtain from the party responsible for causing the car accident. You can file a bodily injury claim within 2 years of the car accident, and in uninsured and underinsurance claims, you have 2 years within which to file a claim.

Related Topics:

• Hawaii Laws

• Process of Filing an Hawaii Car Accident Claim

• Damages you can Recover

• Disputing a Claim

• Hawaii Car Accident Facts