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Hawaii Insurance Law Requirement

Under Hawaii law, drivers are required to maintain automobile insurance. HRS 431:10C-104 states:

(a) Except as provided in section 431:10C-105, no person shall operate or use a motor vehicle upon any public street, road, or highway of this State at any time unless such motor vehicle is insured at all times under a motor vehicle insurance policy.

(b) Every owner of a motor vehicle used or operated at any time upon any public street, road, or highway of this State shall obtain a motor vehicle insurance policy upon such vehicle which provides the coverage required by this article and shall maintain the motor vehicle insurance policy at all times for the entire motor vehicle registration period.

(c) Any person who violates the provisions of this section shall be subject to the provisions of section 431:10C-117(a).

(d) The provisions of this article shall not apply to any vehicle owned by or registered in the name of any agency of the federal government, or to any antique motor vehicle as defined in section 249-1.

If you have more questions regarding Hawaii's insurance law 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