Hawaii Bodily Injury Liability Insurance Coverage
All drivers in Hawaii must have auto insurance. Most automobile insurance policies are broken into two types of coverage — bodily injury liability coverage and property damage liability coverage. The law requires motorists to purchase at least the minimum amounts of both kinds in order to drive legally in the state.
Hawaii is a no-fault state when it comes to automobile insurance. That means when an accident happens, your own insurance company pays the bills for any injuries to you and any passengers up to the personal injury protection (PIP) limit. Another driver is only subject to a lawsuit when there are serious injuries.
Keep in mind that the no-fault rule applies only to injuries. The at-fault driver will remain responsible damages to vehicles and other property.
If you suffered severe injuries or your loved one was killed in a motor vehicle accident in the greater Honolulu area, you may be entitled to financial compensation to assist you during this difficult time. Turn to the Recovery Law Center. For more than 25 years, our qualified and compassionate car accident attorney has been providing customized legal services to crash victims and their families.
It costs nothing to discuss your legal options with attorney Glenn Honda. Call (808) 201-5971 or contact us online to schedule a free consultation.
Bodily Injury Liability Coverage Limits
As you might expect, bodily injury liability covers the costs of injuries sustained in a motor vehicle accident.
Bodily injury liability coverage is typically broken into two different limits: a per-person limit and a per-accident limit. The per-person limit usually applies in a single accident resulting in a single injured person and establishes the maximum amount that individual can receive.
By contrast, the per-accident limit applies to a single accident involving multiple injuries and places a limit on the total compensation paid to all claimants.
Drivers in Hawaii are required to have automobile insurance policies with a minimum of $20,000 per person and $40,000 per accident in bodily injury liability coverage. They must also have a minimum of $10,000 per accident property damage liability coverage. These amounts cover you if you are the at-fault driver in the accident.
Other optional coverages people may purchase include:
- Collision and comprehensive insurance
- Uninsured motorist (UM) coverage
- Underinsured (UIM) motorist coverage
- Wage loss
- Alternative care (i.e., acupuncture, naturopathy, etc.)
- Death or funeral benefits
Some people may take out higher limits on their automobile insurance policies, but the higher limits will usually result in increased premiums. Deductibles can be another concern when negotiating possible insurance coverage.
What Does Hawaii Bodily Injury Liability Insurance Cover?
Bodily injury liability coverage typically applies to three kinds of costs relating to a car accident:
- Medical expenses: For all hospital costs as well as ongoing care needs of accident victims
- Lost wages: If a person is unable to return to work because of his or her injuries
- Legal fees: If a lawsuit stems from your motor vehicle accident
All people who were injured in your automobile accident should be covered under bodily injury liability coverage, but you can face certain limits for a single accident even when multiple people are injured.
Remember that bodily injury liability coverage covers the costs of injuries to other people, not your own. The costs associated with your own treatment will be covered under your PIP policy.
How To Understand Bodily Injury Liability Limits
Bodily injury liability coverage only provides compensation up to the limits of an insurance policy. When damages exceed those limits, then a driver may become liable for the remaining balance.
You should also know that bodily injury liability applies only to physical injuries and does not compensate for vehicle or personal property damage. Make sure that your own automobile insurance policy provides the highest limit possible so you can be covered for all possible expenses stemming from an accident, as you will have to pay for anything that exceeds the limits of your policy.
Other Insurance Options In Hawaii
It’s important to take a good look at the other types of insurance that you can purchase, particularly UM and UIM insurance. At Recovery Law Center, we particularly urge motorists to consider at least purchasing two particular types of optional coverage.
- Uninsured motorist insurance (UM): Enables you to get insurance coverage from your own carrier if the at-fault driver has no insurance
- Underinsured motorist coverage (UIM): Provides you with coverage if the negligent driver’s policy limits do not cover all of your losses
It is mandatory for insurance companies to offer UM and UIM coverage to consumers. If you choose to decline, it must be done in writing.
In addition, some motorists may purchase combined single limit policies for bodily injury and property damage liability. Combined limits may be as low as $50,000 but could also be much higher and provide coverage for both bodily injury and property damage claims.
An umbrella liability policy could provide a much higher limit and help protect assets when a driver is involved in a particularly costly crash. Umbrella policies can provide excess coverage for bodily injury claims that exceed your standard limits, and they customarily come into play when one person is at fault for an accident resulting in extensive damages.