Drivers in Hawaii may carry three different types of liability insurance. These include property damage liability, bodily injury liability, and personal injury protection. These types of insurance cover the driver if he or she causes an accident to occur. With the insurance coverage in place, the driver is protected from having to pay for medical expenses, pain and suffering, and lost wages that others may experience as the result of the accident.
Hawaii requires that its drivers carry a minimum of $25,000 in coverage for bodily injuries that another person may experience from an accident. The state also requires that $50,000 worth of bodily insurance coverage be in place per accident. Furthermore, the state requires $25,000 worth of coverage for property damage.
Bodily Injury Liability, or BI for short, is used when the insured driver causes an accident that results in injury or death to the other driver, passengers, or pedestrians. Passengers in either vehicle are covered by Bodily Injury Liability insurance coverage as are any pedestrians that may have been involved with the accident. The coverage must provide at least $25,000 worth of coverage per person involved in the accident and $50,000 of coverage per accident.
The other form of insurance that is required in Hawaii is Property Damage insurance, which is known as PD insurance. Personal Damage insurance covers the expenses associated with damage to property that may occur as a result of the accident. This may include the vehicle of the other driver as well as other property damage that may occur during the accident. This coverage must be at least $25,000 per accident.
Drivers in Hawaii may also take advantage of other optional forms of coverage. For example, they might choose to add Personal Injury Protection (PIP) to their policies or no-fault coverage. Drivers might also choose to add coverage that will compensate for lost wages, childcare, and much more.
In order to register a vehicle and to legally drive within the state of Hawaii, drivers must present proof of car insurance coverage. The simplest way to prove auto insurance in Hawaii is to present a temporary insurance card, which is provided by the insurer. Drivers may also show their policy to any authority requesting proof or may show a premium receipt or an insurance binder that was issued by the insurance agent.
There are other types of documents that a driver may present in order to prove auto insurance coverage in Hawaii. The current declarations page for the policy may be used or the certificate of liability insurance policy that was issued by the authorized agent or by the insurer may be presented.
For drivers in Hawaii that have recently purchased a vehicle, proof of insurance for the vehicle that was replaced by the new vehicle will serve as proof of insurance. This form of proof is only valid, however, if the vehicle was purchased within the past 60 days.