HAWAII GUIDE 07
Hawaii Insurance Policy Interpretation, Exclusions & Coverage Disputes
Coverage disputes require reading the policy as a whole and applying Hawaii statutes, no-fault requirements and controlling case law to insuring agreements, definitions, exclusions, conditions and endorsements.
- Identify the coverage grant and insured status.
- Read definitions with the operative coverage.
- Review exclusions, exceptions, conditions and endorsements.
- Check whether mandatory Hawaii statutory provisions alter or supersede policy language.
Publication review note — September 17, 2026. Verify current HRS chapter 431:10C and controlling policy-interpretation authority before publication.
VictimsGuide 