Car insurance protects you from personal liability should you be in an accident. Most states, including Hawaii, make it mandatory for all car owners to have vehicle insurance, so getting insurance should be your top priority. Car insurance helps to protect you financially if you ever hurt yourself or another person in a car accident. It covers all property damage involved as well as any medical bills incurred due to the injury. It saves you from spending money out of your pocket if you incur heavy property damage, and helps you pay for repairs needed for your car. No matter how responsible and safe of a driver you are, chances are that you will be subject to bad drivers on the road who may be prone to accidents. Even you can make a mistake some time, and for all these times you need car insurance by your side to protect you.
In the state of Hawaii, car insurance is mandatory for all car owners. Hawaii’s motor vehicle laws require that your vehicle be insured throughout the period of car registration. It is also essential that you keep your insurance card in your vehicle at all times. Failure to provide an insurance card could lead to suspension of your registration and your driving license. In Hawaii, car insurance at minimum should protect you against personal injury and property damage. This basic coverage ensures that in the event of an accident you are able to handle financial responsibility matters whether you are liable or if the other person is at fault.
Hawaii is considered a no fault state, which means that your insurance company will pay for your injuries and your passenger’s injuries up to the personal injury protection benefits. There are several other kinds of coverage available for you to look into; you can check these options with an insurance agency or go to the MVR’s website. They include comprehensive physical damage coverage, collisions wage loss, and alternative coverage.
As having car insurance in Hawaii is mandatory for you to be eligible to legally drive your car, it is wise that you get your car insured; not only because of the legal reasons, but to also help you in case you are involved in a car accident.
Choose Your State
Q:Should I get in touch with Hawaii car insurance companies to get my car insured?
A:Yes, it is advised that you contact an insurance company and find out what coverage polices it offers. You can also search online and compare rates easily. With the vast variety of car insurance programs here, it is recommended that you search thoroughly before finalizing any decision. More information can be found on our page.
Q:In what areas do the Hawaii car insurance laws come into play?
A:The state of Hawaii mandates that all vehicle owners must show proof of motor insurance in order to get a vehicle inspection done. This is extremely important as a vehicle inspection sticker is required for operating vehicles on the roads and highways of Hawaii as well as for all transactions related to vehicle ownership transfers and registrations.