HAWAII GUIDE 06
Hawaii Stacking & Multiple Insurance Policies
Stacking analysis asks whether more than one independently applicable coverage may respond to the same loss. The answer depends on the coverage involved, insured status, policy wording, statutory rules and current Hawaii case law.
- Identify every potentially applicable policy and limit.
- Determine whether each policy independently covers the claimant and occurrence.
- Review anti-stacking, other-insurance and anti-duplication clauses.
- Apply current Hawaii UM/UIM and no-fault authority.
Publication review note — September 17, 2026. Verify current stacking law and policy language before publication.
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