While Hawaii is a no-fault insurance state, truck accidents often involve injuries severe enough to exceed the threshold requirements, allowing victims to step outside the no-fault system. In Hawaii, you can pursue a claim against the at-fault truck driver if your medical bills exceed $5,000 or if the accident causes permanent disfigurement or disability. Given the severity of most truck accidents, victims frequently meet these thresholds, enabling them to seek full compensation from the responsible parties. Additionally, commercial trucks typically carry much higher insurance policy limits than regular passenger vehicles, potentially providing greater compensation for serious injuries.