Hawaii’s no-fault insurance law does not apply to boating accidents because it only covers motor vehicle accidents on land. This means boating accident victims must pursue compensation directly from the at-fault parties or their insurance carriers, without the PIP (Personal Injury Protection) coverage that applies to car accidents. However, this can actually benefit victims because they’re not limited by no-fault thresholds and can pursue full compensation for all damages from the beginning. Most commercial boat operators are required to carry liability insurance, and many recreational boat owners have boat insurance policies. The absence of no-fault restrictions means victims can immediately seek compensation for medical expenses, lost wages, pain and suffering, and other damages without meeting the $5,000 threshold or permanent injury requirements that apply to car accidents.