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HAWAII GUIDE 13

Hawaii Borrowed, Non-Owned & Rental Vehicles

Coverage can change when the involved vehicle is borrowed, non-owned, newly acquired or rented. Owner policies, driver policies, rental protections and Hawaii no-fault obligations may overlap.

  • Identify vehicle ownership and permission.
  • Obtain owner, driver and rental agreements and policies.
  • Review non-owned-auto, temporary-substitute and newly-acquired-auto provisions.
  • Determine primary and excess relationships among applicable policies and PIP obligations.

Publication review note — September 17, 2026. Verify current Hawaii rental, no-fault and policy-priority rules before publication.