HAWAII 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.
- Identify the applicable PIP policy, effective date, qualifying insured and available benefit limits.
- Track PIP payments, health-plan payments and provider balances separately.
- Preserve denial, reimbursement, lien and subrogation notices.
- Track qualifying PIP benefits incurred separately when evaluating the $5,000 tort threshold.
- Resolve reimbursement interests before final settlement distribution.
Primary Hawaii Sources
- HRS chapter 431:10C — motor vehicle insurance and PIP.
- HRS § 431:10C-306 — tort threshold and exceptions.
Current-law review: September 17, 2026. Verify the policy effective date, benefit limits, reimbursement rules and current statutory text before publication or reliance.
VictimsGuide 