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Cohesive Guidance For Hawai‘i’s No-Fault Insurance Laws

Understanding car insurance coverage after you have suffered a serious accident is immensely overwhelming. At Rosenberg McKay Hoffman, we provide guidance through the complex web of no-fault insurance laws in Hawai‘i.

Our attorneys bring more than 100 years of combined experience helping people after serious personal injuries in Oahu. We understand insurance laws inside and out, including how they affect your coverage and your potential compensation.

How Does No-Fault Insurance Work?

Hawai‘i is referred to as a no-fault insurance state. If you have a car crash, your insurer will cover your damages up to your policy’s limit, even if you had partial fault. This helps victims avoid having to file a personal injury lawsuit to cover their car repairs and other damages. However, insurance providers do not want to pay out the compensation you need. Even if your insurer does pay you fair compensation, a lawsuit can offer an alternate source of compensation. Our attorneys are prepared to fight for you to recover what you are entitled to under your insurance policy and through a lawsuit if applicable.

What If The Other Driver Doesn’t Have Insurance?

The state requires that all drivers purchase a minimum of $10,000 of personal injury protection (PIP), $10,000 in property damage coverage, and coverage of $20,000 per person and $40,000 per accident. Unfortunately, many motorists do not purchase insurance or do not purchase adequate coverage. To protect yourself, you have the option of purchasing uninsured motorist/underinsured motorist (UM/UIM) coverage. If you do not have UM/UIM coverage and an uninsured or underinsured driver injures you in a crash, we can help you explore your legal options for financial recovery.

Get The Insurance Explanations You Need From Our Attorneys

We understand that grappling with the insurance details after a major crash is difficult, if not impossible. Allow us to help you through it. For a free, no-risk, no-obligation consultation, call our Honolulu office at 808-470-4819 or send us an email.