STATE LAW – HAWAII LIBRARY – GUIDE 21
Hawaii PIP, Medical Bills, Liens & Reimbursement
Hawaii’s no-fault system makes Personal Injury Protection a central first-party benefit after a motor-vehicle crash. For policies effective on or after January 1, 2026, Hawaii requires at least $10,000 in PIP benefits per person. PIP should be analyzed together with health insurance, provider claims, reimbursement, subrogation and the separate tort-threshold rules in HRS § 431:10C-306.
HRS § 663-10 controls tort-settlement lien claims
HRS § 663-10 provides the statutory process for determining valid liens against tort judgments and settlements arising from collateral-source payments. It also directs deduction of a reasonable share of the claimant’s costs and fees from the lien payment.
2025–2026 Maui Fire decisions clarify insurer reimbursement
In In re Maui Fire Cases (2025), the Hawaii Supreme Court held that the HRS § 663-10 lien process is the exclusive remedy for a property-and-casualty insurer seeking recovery of paid losses after its insured settles with the tortfeasor. Burnes v. Hawaiian Electric Co. (2026) reaffirmed that settlement extinguishes separate subrogation claims and leaves the statutory lien process as the insurer’s remedy.
PUBLIC-INTEREST LEGAL EDUCATION
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Official Sources
Verify current Hawaii law at the source
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