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Hawaii Auto Insurance & Crash Law Library
A public legal education and research library for Hawaii no-fault auto insurance, PIP, UM/UIM, comparative negligence, damages and settlement.
Hawaii State Law Library
Numbered guides by legal category
Start with Guide 01 if you are new to the library. Browse all 22 issue guides by legal category and open the Hawaii guide matching the next no-fault, coverage, liability, damages, insurer-conduct or settlement question.
Getting Started in Hawaii
State-specific working guide: how to use the library, build the claim map, and decide what to do first.
Coverage & Insured Status
Required insurance, PIP, policy discovery, insured status, UM/UIM, stacking and policy interpretation.
Insurer Duties & Claims Conduct
Disclosure, bad faith, agents, defense and failure to settle.
Vehicle & Use Questions
Borrowed/rental vehicles, work use, rideshare and government claims.
Liability & Proof
Comparative negligence, crash investigation and evidence preservation.
Damages & Resolution
Damages, wrongful death, PIP/reimbursement and settlement.
Case Authority
Hawaii appellate authority and current developments.
Guide 01 · Hawaii Citizen’s Guide
How to use this library before making a final claim decision
Build the claim map first. Keep the PIP claim, the claim against a responsible party, and any UM/UIM claim in separate sections of your records. Use the Hawaii guide titles and the actual policy dates when choosing what to read next.
List the vehicles, drivers, owners, injured people and possible employers. Start with Guide 02 and Guide 21 for the no-fault and medical-payment questions.
Use Guide 03 and Guide 05. Gather declarations, endorsements, effective dates, and UM/UIM selection, rejection and stacking records.
Use Guide 18 to organize reports, photos, witnesses, vehicle data and medical chronology. Keep a deadline calendar and consult Guide 16 when a state or county vehicle is involved.
Read Guide 19 for damages and threshold questions, Guide 22 for settlement, and Guide 23 with the official sources. Do not treat a summary or a layout-review date as a decision on your claim.
Hawaii Current-Law Snapshot
Issues to identify early
40 / 80 / 20 effective in 2026
Hawaii’s minimum liability limits increased from 20/40/10 to 40/80/20 for new and renewal policies effective January 1, 2026.
$10,000 minimum PIP
Hawaii remains a no-fault state and requires at least $10,000 per person in PIP medical and rehabilitative benefits.
Modified comparative negligence
HRS § 663-31 permits recovery when claimant negligence is not greater than the defendant side, with proportional reduction.
UM/UIM must be offered
Offer, premium disclosure, rejection and stacking elections remain important coverage records.
No-fault tort threshold
PIP and statutory tort-threshold rules affect when bodily-injury claims proceed outside the no-fault system.
Hawaii Insurance Division
The DCCA Insurance Division regulates auto insurers, forms, complaints and consumer guidance.
Primary Research
Official Hawaii research sources
VictimsGuide is the navigation layer. Current primary authority, the actual policy and the verified factual record control.
Hawaii Revised Statutes
Official Hawaii statutes, including Chapters 431 and 663.
Open statutes →Hawaii Insurance Division
Motor-vehicle insurance guidance, complaints and regulation.
Open regulator →Hawaii DOT
Motor-vehicle safety and transportation resources.
Open DOT →Hawaii Judiciary
Appellate opinions and court resources.
Open courts →Hawaii Department of Law Enforcement
State law-enforcement and public-safety resources.
Open DLE →Hawaii Insurance Rules
Insurance statutes, administrative rules and regulatory materials.
Open rules →For the required policy limits and UM/UIM provisions, open the current HRS § 431:10C-301 rather than relying on an older general consumer summary.
How this library stays current
Build the complete Hawaii coverage and claim map
Identify the applicable 2026 liability limits, PIP benefits, tort threshold, UM/UIM status, every policy and insured, comparative negligence, damages, reimbursement and release consequences before claim closure.
Start with Hawaii’s no-fault and PIP structure, then map the remaining liability and first-party layers.
Use current statutes and regulations first, then the actual policy and endorsements, controlling appellate decisions and official regulator materials.