Hawaii Auto Insurance
No matter what state you live in, it's mandated that you must carry some form of car insurance. In Hawaii, drivers must carry policies that include bodily injury and property damage liability along with personal injury protection.
Bodily injury liability can cover medical expenses suffer by others that result from a collision that you caused – up to a certain extent, depending on your coverage. Property damage liability can pay to correct damage you caused to another party's car or other property – again, up to an agreed-upon maximum set by you and your insurance provider. The minimum stipulations of liability coverage in Hawaii are:
Here's what those numbers mean:
- $20,000 bodily injury coverage per person
- $40,000 total injury coverage per incident
- $10,000 of coverage for property damage
Drivers in the Aloha State must also carry personal injury protection, which can cover medical costs in the event that you're injured in a wreck, regardless of who is at fault.
These minimum coverages are decided upon in order to protect drivers. Accidents happen all the time, and paying these expenses out of pocket can add up at an alarming rate. Although it's often beneficial to go beyond the minimum requirements as costs can easily exceed them, leaving you financially responsible for the difference. Contact a HomeInsurance.com agent to discuss which coverage options are right for you.
When you do, keep in mind that minimum coverage might not be the best option. You'll be compliant with the law, but you might not be protected. How is that possible? Because if expenses exceed your coverage limit with your provider, you have to make up the difference.
In addition, liability coverage helps with damage to the other vehicle or vehicles when you cause a wreck, but it doesn't help for the damage to your car in that situation. Ask your agent how you can protect yourself as well.
Driving discounts in The Aloha State
Hawaii motorists could qualify for:
- Safety features discount.
- Multi-policy discount.
- Multi-car discount.
- Good driving discount.
Not all providers offer every discount, however. For a full rundown of discounts and to find out which ones you're eligible for, call a HomeInsurance.com representative today! Our agents will find coverage that fits your needs and budget.