Schedule a Free Consultation (808) 348-7800

Types of Coverage and Policy Limits Required Under Hawaii Law

Currently, drivers in Hawaii must maintain the following insurance coverage and limits:

• Bodily Injury: $20,000 per person/$40,000 per accident
• Property Damage: $10,000
• Personal Injury Protection (PIP): $10,000


Bodily injury insurance coverage pays for personal injury claims incurred from an at-fault driver. As more fully described below, the bodily injury coverage may not come into play if the not-at-fault party's medical expenses are less than $5,000. Be advised, it is important to discuss your bodily injury limits with an experienced insurance agent licensed by the State of Hawaii. The minimum limits are rarely sufficient to adequately compensate a victim of personal injury whose medical expenses exceed $5,000. If insurance limits are inadequate to fully compensate the victim in a personal injury case, the at-fault driver may risk losing assets and/or income.


Property damage insurance coverage pays for vehicle and other property damage incurred as a result of a car accident. A property damage claim is usually settled fairly quickly after the accident. It is important to discuss the necessary property damage limits in your individual circumstances. The minimum limits are rarely sufficient to pay for property damage in the event a vehicle is determined to be a total loss and needs to be replaced.


Personal injury protection (“PIP”) is at the center of Hawaii's no-fault law. As more fully described below, PIP is the type of coverage which pays for medical expenses, wage loss and other expenses incurred after a car accident but before the bodily injury settlement.

 If you have more questions about the type of insurance coverage involved in your personal injury case, contact us today at (808) 348-7800 or by completing the "Contact Our Firm" box to the right of this and every page and schedule a consultation.

Our primary office is located in South Kona on the Big Island of Hawaii. However, we work to help the entire Big Island community as well as our neighbors on Kauai, Oahu, Molokai and Maui with information and representation in all types of personal injury claims.