HAWAII GUIDE 04
Who Is an Insured Under Hawaii Auto Insurance?
Insured status can differ among liability, PIP, UM/UIM and other coverages. Hawaii’s no-fault structure makes it especially important to identify the person, vehicle and policy relationship for each claimed benefit.
- Named insureds and household members.
- Permissive users and occupants.
- Persons entitled to PIP benefits.
- Persons protected by UM/UIM and commercial or rideshare policies.
Publication review note — September 17, 2026. Verify the actual policy, HRS chapter 431:10C and current Hawaii case law before publication.
VictimsGuide 