Hawaii car insurance is a requirement of the law. All drivers are required to insure their car. This insurance coverage will protect drivers against cost incurred as a result of injury or damage that their cars cause. Keep reading this article to get more insights about Hawaii’s car insurance requirements, laws and how to get low cost car insurance premiums.

Hawaii Car Insurance Requirements

Hawaii car insurance laws require you to purchase both:

  • Liability coverage
  • Personal injury protection (PIP) coverage.

Personal Injury Protection (PIP)

This state is considered a no-fault state. If you are involved in an accident, you and your passengers will automatically qualify for cover for any injury suffered. The insurance cover responsible for this is called personal injury protection (PIP). The minimum required limit for PIP is $10,000.

Liability Insurance

Additionally, you also need to purchase Hawaii liability insurance since Personal Insurance Policy only covers victim’s injury, and only up to certain limits. So, liability insurance will cover the cost of damage of properties and injuries that your car causes. The minimum insurance cover requirements for Hawaii liability insurance are:

  • $20,000 for bodily injury per person
  • $40,000 for total bodily injury involving multiple people
  • $10,000 for property damage.

Optional Coverage

The above mentioned car insurance coverages (liability insurance and PIP) cannot give you enough protection. You need additional Hawaii car insurance coverages. If you are shopping for insurance cover for your car, consider these optional car insurance coverages:

  • Collision – Insurance cover that helps pay for damages made to your car after an accident
  • Comprehensive – Insurance cover that pays for damages resulting from all accident related events such as fire, floods etc.
  • Uninsured motorists – Covers the cost of damage caused by uninsured drivers
  • Underinsured motorists – Covers drivers with inadequate insurance cover
  • Medical payments – This will cover medical costs if you are injured in an accident.

NOTE: Comprehensive and collision insurance are not mandatory in Hawaii, but your car financing institution often requires drivers to purchase them.

Proof of Insurance

In Hawaii, the law requires you to carry a car insurance ID whenever you step into your car to provide proof of insurance at various traffic stop points. If you forget to carry this ID, and you are caught, you will be required to pay traffic tickets and fines.

Hawaii Joint Underwriting Plan

Drivers with unclean history of driving may find it hard to get their car insured. Most Hawaii car insurance companies don’t want to be associated with these drivers due to high risks involved. If you are such a driver and you have found it hard to get open market insurance company, you can insure your car through Hawaii’s joint underwriting plan. Normally their insurance premiums are very high since they share the higher risks involved when you cause an accident. You can apply for Hawaii’s joint underwriting plan insurance cover through any insurance agent in your local area.

Other Car Insurance Issues

If you have any complaint concerning your car insurance, you can get in touch with Hawaii Insurance Division. Through this body, you can get your dispute resolved or report any suspected car insurance fraud.

Consumer Complaints

If you have a complaint against your car insurance company, you can report it to the Hawaii Insurance Division to get it resolved. To get started, fill Complaint/Inquiry Form and send it to the Hawaii Insurance Division using the address below: Hawaii Insurance Division Compliance and Enforcement Branch P.O. Box 3614 Honolulu, HI 96811

Insurance Fraud

Most car insurance companies in Hawaii lose huge amount of money through car insurance frauds. The burden caused through these frauds may trickle down to car insurance consumers to increase premiums. Some of these frauds include:

  • Staging car accidents
  • Lying about injuries
  • Hiking the cost of damages and repairs.

You should therefore report any suspected car insurance fraud to Hawaii Insurance Division through mail or by phone. Through mail, you can send a Suspected Fraudulent Claim Referral Form (Form IFIB SFC1) to the address above. Through phone, you can report your claim using Hawaii Insurance Division hotline (808) 597-7416.

Determining Your HI Car Insurance Rates

Premium rates in Hawaii are determined by the following factors:

  • Your driving record
  • The make and model of your car
  • Your car insurance claim history
  • Your gender
  • Your age
  • Your marital status
  • Your credit history
  • Deductibles.

HI Car Insurance Discounts

If you want to purchase any insurance cover for your vehicle, take advantage of the available car insurance discounts such as:

  • Good driver
  • Anti-theft device
  • Good student
  • Safety device.

Several insurance companies weigh certain factors when determining appropriate discount that may apply in your case. But remember that most companies first look for driving history before giving you an insurance quote.

Most Stolen Cars in Hawaii

You are more likely to pay higher car insurance rates if you are driving a car that is always targeted by thieves. According to www.nicb.org, the 2013 most stolen car in Hawaii include:

  1. Honda Civic and Honda Accord
  2. Ford Pickup (Full Size)
  3. Dodge Caravan
  4. Toyota Tacoma
  5. Toyota Camry
  6. Acura Integra
  7. Dodge Pickup (Full Size)
  8. Nissan Frontier
  9. Ford Pickup (Small Size).