Uninsured and Underinsured Motorist Coverage Hawaii HI
Reader’s Question:
What benefits will I get if I add the Uninsured Motorist and Underinsured Motorist Coverage in my policy? Wouldn’t it overlap with my Bodily Injury Liability Coverage? I’m from Hawaii.
Ernest,
Ewa, HI
In Hawaii, the minimum required automotive insurance coverage includes twenty thousand dollars for each person, forty thousand dollars for each accident bodily injury, and ten thousand dollars for property damage liability. Expect that when you are at-fault in an accident, this liability insurance will not cover your own property or bodily damages, but only those which are caused to the other party.
For your own insurance, your personal injury protection (PIP) will cover the damages you acquired during the accident. Since Hawaii is a “no-fault” state, you are required to carry PIP coverage of ten thousand dollars. The PIP policy will pay for your own medical expenses and rehabilitative costs, as well as those of your passengers. With “no-fault,” nobody can be sued for personal injuries. However, when it comes to the vehicle or the properties, the person at-fault will be responsible for the damages in the vehicle and the property.
Automotive insurance companies in Hawaii offer to insurance buyers the underinsured (UIM) and uninsured motorist (UM) coverage. This coverage falls under the added protection that you receive from your automotive insurance in case you get into an accident. Normally, if you get in an accident and the motorist at-fault was found to be either underinsured or uninsured, your serious injuries will be covered by your automotive insurance. You may get a minimum of 20 thousand dollars per person for the UIM/UM coverage. However, if you are found to be at-fault and damage is caused on the other party, then your bodily injury liability will take care of it.
Tags: auto insurance, auto insurance coverage, liability insurance