Hawaii No-Fault Auto Requirements
Hawaii is a no-fault auto state, so producers must understand both the first-party PIP benefit and the liability minimums.
No-Fault and PIP
Hawaii is a no-fault auto state. Every policy must include personal injury protection (PIP) of at least 10,000 dollars, which pays the insured's and passengers' medical and related expenses regardless of who caused the crash. Hawaii's no-fault law limits lawsuits to more serious injury cases that meet the statutory threshold.
Liability Limits
Hawaii still requires liability coverage because fault is considered for damages beyond the no-fault threshold. The minimum liability limits are 20,000 dollars for bodily injury per person, 40,000 dollars per accident, and 10,000 dollars for property damage (a 20/40/10 limit), verified via Hawaii auto insurance guidance. Verify current figures with the state before quoting them as fixed.
How the System Fits Together
In practice, PIP pays first for injuries regardless of fault, while liability coverage responds when an injured party's claim exceeds the no-fault threshold and fault is established. Producers should explain both pieces so clients understand what their required coverage does and does not do.