HAWAII GUIDE 05
Hawaii Uninsured & Underinsured Motorist Coverage
Hawaii insurers must offer uninsured and underinsured motorist coverage subject to statutory selection and rejection rules. The analysis should identify insured status, limits, offsets, exclusions, settlement effects and subrogation rights.
- Obtain declarations, endorsements and UM/UIM selection or rejection documents.
- Identify every policy under which the injured person may qualify as an insured.
- Review liability settlements before executing releases.
- Apply current HRS chapter 431:10C and controlling Hawaii authority.
Publication review note — September 17, 2026. Verify current UM/UIM statutes, forms, policy language and case authority before publication.
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