We have listed below several valuable sources
of information to help educate you in obtaining car
insurance in Hawai. Included are links to organizations with
helpful guides on topics such as purchasing auto insurance,
filing
claims and more.
Hawaii Car Insurance Laws
Hawaii law requires that motor vehicles on its' public streets
be insured at all times and the driver must carry an insurance
identification card. Hawaii is a no-fault state. Each insurance
company compensates its own policyholders for the cost of
minor injuries regardless of who was at fault in the accident.
The required minimum levels of coverage are:
Bodily Injury Liability coverage of at least $20,000 per person,
$40,000 per accident;
Property Damage coverage of at least $10,000 per accident;
and
Personal Injury Protection of at least $10,000 per person.
For some of the required coverage, you should consider buying
higher limits than the minimum required. There are also several
types of optional coverage that you can purchase for more
protection. These include: collision coverage, uninsured motorist,
and underinsured motorist coverage. Present Hawaii law prohibits
any premium increase as a result of an accident if you were
not at fault.
Honolulu Motor Vehicle, Licensing and Permits Division
Department of Customer Services
530 South King Street, Room 302A
Honolulu, HI 96813
Phone:
www.co.honolulu.hi.us/csd/vehicle/index.htm
The Hawaii Department of Customer Services is responsible for
the motor vehicle services in Hawaii. Under the Honolulu Motor
Vehicle, Licensing and Permits Division, residents of Hawaii
can renew their vehicle registration online as well as get information
on how to transfer title, get disable parking permits, information
on business license and permits, property tax payments, register
to vote and more.
Separate sections are devoted to providing motor vehicle and
driver license information to consumers. You can find information
about vehicle registration renewal, out of state permits, transfer
of ownership, replacement plates, driver license testing locations
and times, driver license requirements and more.
335 Merchant Street
Honolulu, HI 96813
Phone:
www.state.hi.us/dcca/ins
The Hawaii Insurance Division oversees the insurance industry,
issues insurance licenses, examines the financial conditions
of Hawaii-based insurance companies, reviews rate and policy
filings, and investigates insurance related complaints.
A section is devoted for consumer information, including filing
complaints, and performing insurance license searches. Consumer
can find motor vehicle comparison which gives the motor vehicle
premium comparison and customer complaint ratio sheets according
to the island you reside on. Residents of Hawaii can also
find more information on Motor Vehicle Insurance Information.
Hawaii is considered a "no-fault state", read details
about how this affects your legal responsibilities if you
live there or plan to visit.
Consumers can also download a Consumer's
Guide to Auto Insurance in Hawaii. It explains details
of basic information you need to know about auto insurance
coverage in Hawaii, you rights concerning car insurance, the
minimum levels of auto insurance coverage required and additional
optional coverage.
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