subject: Hawaii Auto Insurance - Meeting The Requirements Of The Law [print this page] Hawaii Auto Insurance - Meeting The Requirements Of The Law
The state of Hawaii demands from every driver who intends to drive in the state a minimum level of liability coverages covering bodily injury and property damage. You would do well to know these requirements so you do not find yourself on the wrong side of the law.
The purpose of these minimum requirements is to protect other road users from careless drivers. Here are the coverages required by law in the state of Hawaii:
1. There is a minimum state required bodily injury liability coverage of $10,000 per person in an accident.
2. Still with bodily injury, there is a required minimum of $20,000 in coverage per accident.
3. The state also demands a minimum property damage liability coverage of $10,000 per accident.
The above are merely what the state demands as your minimum coverage. It is by no means the ideal amount of coverage you would need. In fact, you are advised to get more cover so that you can have more liability cover and also cover for yourself too.
In most cases, the coverages listed above would only cover the victims of the accident in which you are at fault. Without more cover, injuries to you and your passengers and damages to your car and property may go uncovered. I am sure you see why you should get more cover.
Some types of cover you should consider:
1. Uninsured/Under-insured Cover. This protects you just in case you are involved in an accident where the guilty party has little or no insurance cover.
2. Collision Coverage. When you are involved in an accident, damages to your car is covered by this coverage even if you were at fault.
3. Comprehensive Cover. This would cover your car against damage from more perils including, fire, theft, natural disasters etc. Many policies have exclusions. You need to know them before buying the policy.
Hawaii auto insurance can be a bit expensive but if you know what to do, you can find a way of getting affordable auto insurance for yourself. I would give you some tips that would help you.
* Get and compare quick auto insurance quotes and you would be on the right footing to getting a more affordable auto insurance cover
* Think of increasing your deductible. I can not stress enough that you should take this action after thinking it through. Higher deductibles lower your rates but they also mean that should you ever need to make a claim, you would first need to produce that amount. Choose an amount you can raise.
* lastly, take advantage of as many discounts as you can. These discounts would help you reduce your rates. Talk to your insurance agent about the discounts you can qualify for.
Drivers in Hawaii, if you are ever confused about anything and need to get some information, quickly call the Hawaii Department of Insurance at 808-586-2790. They would supply you with every information you need.
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