Hawaii is a no-fault car insurance state, which means that after a car accident, you must first file a claim with your own insurance company for payment of your medical bills, regardless of who caused the accident. Your Personal Injury Protection (PIP) coverage will pay for medical expenses, lost wages, and essential services up to your policy limits (minimum $10,000 per person). However, you can pursue a claim against the at-fault driver if your medical bills exceed $5,000 or if the accident causes permanent disfigurement or disability. It’s important to note that Hawaii’s no-fault system only applies to injuries—property damage claims can still be pursued against the at-fault driver’s insurance.