Core Hawaii Statutes

• HRS § 431:10C-301 — required motor-vehicle policy coverage.
• HRS § 431:10C-306 — no-fault tort threshold.
• HRS § 663-31 — modified comparative negligence.
• HRS Chapter 431:10C — PIP, UM/UIM, claims and motor-vehicle insurance framework.

Leading Hawaii Decisions

• Allstate Insurance Co. v. Hirose (Haw. 1994) — UIM stacking.
• MacAbio v. TIG Insurance Co. (Haw. 1998) — written rejection of stacked UM/UIM coverage.
• Best Place, Inc. v. Penn America Insurance Co. (Haw. 1996) — first-party insurance bad-faith tort.
• Gonzales v. Dai-Tokyo Royal State Insurance Co. (Haw. 2005) — application of covered-loss deductible rules to UIM recovery.

Hawaii coverage is highly statute- and form-sensitive. Check current DCCA guidance, later appellate treatment and the policy’s PIP, UM/UIM and stacking elections.

Publication review note — September 17, 2026. Confirm subsequent history, statutory amendments, effective dates and current policy language before reliance.