Hawaii’s no-fault insurance system creates unique challenges for bicycle accident victims. Unlike motorists who are required to carry no-fault insurance, bicyclists typically don’t have their own PIP (Personal Injury Protection) coverage unless they also own a motor vehicle. This means that injured cyclists often must rely on the motorist’s insurance or pursue claims outside the no-fault system. If you’re seriously injured in a bicycle accident caused by a negligent driver, you can typically step outside the no-fault system to pursue full compensation directly from the at-fault motorist, especially since bicycle accidents often result in injuries that exceed the $5,000 threshold or cause permanent disfigurement or disability.