Hawaii Property & Casualty Insurance License Exam — All Questions

Hawaii is a no-fault auto state. What first-party coverage must every auto policy include, and in what minimum amount?

• a.Collision, at least $10,000
• b.Uninsured motorist, at least $40,000
• c.Bodily injury liability, at least $20,000
• d.Personal injury protection (PIP), at least $10,000✓

Hawaii's no-fault system requires personal injury protection (PIP) of at least 10,000 dollars, which pays the insured's and passengers' medical and related expenses regardless of fault, per Hawaii auto insurance guidance.

What are Hawaii's minimum auto liability limits?

• a.$20,000 / $40,000 / $10,000✓
• b.$25,000 / $50,000 / $25,000
• c.$10,000 / $20,000 / $5,000
• d.No liability coverage is required because Hawaii is no-fault

Hawaii requires liability of 20,000 dollars bodily injury per person, 40,000 dollars per accident, and 10,000 dollars property damage (20/40/10). Liability still applies because fault is considered for claims beyond the no-fault threshold.

In Hawaii's no-fault system, a driver may generally pursue the at-fault driver for injury damages only when:

• a.Never, because no-fault bars all suits
• b.Only if PIP was not purchased
• c.Always, exactly as in a tort state
• d.The injury meets Hawaii's statutory threshold for a more serious injury✓

Hawaii's no-fault law channels minor injuries through first-party PIP and permits liability claims against the at-fault driver only for more serious injuries meeting the statutory threshold. This is what distinguishes no-fault from a pure tort system.