Hawaii Car and Motorcycle Insurance Law

Required Minimum Bodily Injury Coverage

• $20,000 per person injured in any one accident and $40,000 for all persons injured in any one accident

Required Minimum Property Damage Coverage

• $10,000 for injury to or destruction of property of others in any one accident

Optional Insurance Coverage

• Uninsured (UM) and Underinsured Motorist (UIM) Coverage. If purchased, the coverage must be at least the minimum required for bodily injury liability coverage. If the offer to purchase UM/UIM is rejected, the insurance company has no obligation to explain to the insured that he or she has an option to stack policies and to select UM/UIM in amount up to but not greater than the bodily injury liability coverage purchased.

Special Rules for Motorcycle Owners

• Insurance companies are required to offer motorcycle owners a medical expense coverage plan to cover medical expenses up to $10,000. They are also required to offer an income disability plan and bodily injury liability coverage in excess of the minimum required. Insurance companies are not required to offer motorcyclists UM/UIM coverage.