Posts Tagged ‘Hawaii car Insurance’

Uninsured/Underinsured Motorist Coverage for Hawaii Drivers

Friday, May 27th, 2011

Under Hawaii state law, insurance providers must inform consumers about uninsured and underinsured motorist protection. If a driver does not want to add this type of protection to his or her policy, they must indicate this fact in writing.

Uninsured motorist coverage comes into play when the at-fault driver in an accident does not have insurance coverage. Hawaii is a no-fault car insurance state, which means that an accident victim’s own insurer would be responsible for paying for medical bills and expenses stemming from the accident. The right to sue is reserved for cases where the accident resulted in serious and permanent injuries.

No-fault coverage only pays for personal injuries, and uninsured motorist coverage can be used to pay for the cost of repairs to the policyholder’s vehicle if necessary. If uninsured motorist coverage is purchased, the minimum level the insurer can write a policy for is $20,000 for an individual victim and $40,000 to pay for all injuries stemming from the same accident. The minimum level of property damage under this type of policy is $10,000.

A driver can also purchase underinsured motorist coverage to make up the difference between the protection that an at-fault driver has available and the true level of damages caused. The minimum level of this type of protection is $20,000.

Even though this type of insurance is not required, Hawaii car insurance buyers would be well advised to add it to their policy. It is valuable protection that is worth the money spent on premiums.

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Posted in Hawaii, USA |

Is Hawaii a No-fault Auto Insurance State?

Monday, May 9th, 2011

Hawaii is a no-fault state for car insurance purposes. Drivers must carry Personal Injury Protection (PIP) to pay for their own medical bills (and those of the occupants of their vehicle) following an accident. Unless the injuries are serious, the driver’s own insurance company will pay for these expenses. This system means that injured people can get their claims settled more quickly than if they had to sue the at-fault driver to get compensation. The minimum level of PIP coverage that must be purchased is $10,000.

The no-fault system in this state only applies to personal injuries. A claim for physical damage to a driver’s vehicle or public property (sign posts, guard rails, light stands, fences, etc.) must be paid for by the at-fault driver. For this reason, property damage liability coverage is required in the state. The minimum level of property damage liability coverage mandated by law is $10,000.

Drivers in Hawaii always have the option of buying a policy with a higher limit than the minimum required by law if they wish. Bodily injury liability coverage in the amount of $20,000 to pay for injuries sustained by a single accident victim and $40,000 to pay for all injuries sustained in an accident must be put in place. Since this coverage comes into play in the case of injuries which meet the threshold where the accident victim can sue for damages, buying a policy with a higher limit may be the better way to go.

 

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Posted in Hawaii, USA |

Free Auto Insurance Quote Benefit Hawaii Drivers

Tuesday, April 19th, 2011

When Hawaii auto insurance customers want to find the best possible rates on their coverage, checking out free quotes offered by providers is a great strategy. Each company offering coverage in the state uses its own formula to get rates for policyholders, and pricing can vary significantly between providers.

The way to find the lowest rates on coverage is to shop around. Many insurance providers offer no-cost quotes for coverage, and a consumer can get pricing quickly and easily by going online. A buyer can visit individual insurance company web sites or choose to get pricing from a single site that is equipped with an insurance quote tool that can offer quotes from several companies at once. A consumer can even buy a policy online once he or she finds the right one.

The advantage of visiting individual company web sites is that a buyer can learn something about the company before deciding whether to request a quote for coverage. A good choice is a company that is well-established and which has the resources available to pay out on its policyholders’ claims. Good customer service practices and low rates for coverage are also important to budget-conscious consumers. Anyone getting free quotes for coverage should take the time to compare them carefully to confirm that they are for the same type and level of protection before making a buying decision.

 

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Posted in Free Car Insurance Quote, Hawaii, USA |

Free Hawaii Auto Insurance Quotes Benefit Consumers

Monday, March 28th, 2011

Customers who are looking for the best deals on Hawaii auto insurance coverage should consider checking out free quotes offered by companies. To avoid spending too much for this necessary protection, drivers need to be prepared to shop around. Companies licensed to sell policies in the state can set their own rates for customers, and pricing varies significantly between providers.

Rather than buying an insurance policy once and then automatically renewing it each year, a better choice is to get free auto insurance quotes from several providers. Existing policyholders should start looking at other options a couple of months before their existing coverage is due to expire. This time frame will allow them to change providers if they find a company that can offer a better deal.

Many insurance providers in the state are willing to provide quotes to prospective customers at no charge. Going online is an effective way to get quotes from a number of providers for comparison purposes. A customer should be prepared to provide some basic information to the insurance company so that it can generate a quote for coverage.

Common questions that may be asked for this purpose include how long the driver has been licensed and where the car will be garaged. The insurer will also ask about the make and model of the vehicle to be covered. The customer should compare a number of free Hawaii auto insurance quotes before deciding where to buy a policy.

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Posted in Free Car Insurance Quote, Hawaii, USA |

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