While Hawaii is a no-fault state, you can step outside the no-fault system and sue the at-fault driver if your injuries meet certain severity thresholds. You can pursue a lawsuit if: (1) your medical expenses exceed $5,000, (2) the accident causes permanent disfigurement, or (3) the accident results in permanent disability. These thresholds exist to ensure that only serious injury cases proceed to litigation while minor accidents are handled efficiently through the no-fault insurance system.