If your home is on Oahu, Maui, The Big Island, or anywhere in between, SafeAuto wants to help you find the cheapest car insurance in your area. While SafeAuto does not currently offer direct coverage in Hawaii, we can still help you get a cheap quote on the coverage you need.
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Liability insurance covers bodily injury and property damage claims resulting from an accident that is primarily your fault. The limits in your policy are the maximum amounts your insurance company will pay for bodily injury and property damage claims. They are typically expressed as three amounts separated by slashes written as 20/40/10 or 20,000/40,000/10,000
Hawaii's Financial Responsibility law requires you to maintain liability limits of at least:
The first number is the maximum amount that your policy will pay for bodily injury to or death of one (1) person in any one (1) accident.
The maximum amount that your policy will pay for bodily injury to or death of two (2) or more persons in any one (1) accident, subject to the $20,000 per person limit.
The maximum amount that your policy will pay for injury to or destruction of property of others in an accident.
Under Hawaii law, you are required to provide documentary proof of financial responsibility when registering your vehicle or at the request of law enforcement officials.
Car insurance companies are required to keep quarterly reports of policy cancellations and refusals to renew, which are available to the Hawaii Insurance Commissioner.
If you are unable to produce proof of liability coverage when requested, the penalties can be harsh, with fines ranging from $500 to $1,500, plus a license suspension.
In addition to these statutory penalties, if you cannot show proof of financial responsibility, fail to pay a judgment entered against you for damages resulting from an automobile accident, or need to reinstate your license after conviction for certain types of violations, you will be required to obtain an SR-22 Certificate of Financial Responsibility.