Is Hawaii a no-fault car insurance state?

Hawaii is a considered a “no-fault state”, which means your motor vehicle insurance company will pay the bills for your injuries and your passengers’ injuries up to the personal injury protection benefits (“PIP”) limit.

What is covered under no fault insurance?

No-fault insurance is a type of auto insurance that covers your medical costs in the event of a car accident, regardless of who is at fault. In no-fault states, personal injury protection (PIP) coverage is required and drivers are limited in their right to sue other drivers.

Who is at fault for a car accident?

Because of the ambiguity of filing a car insurance claim, it’s relatively common for both parties to be partially at fault for the accident. How this situation is handled will depend on your state’s insurance laws and your insurance company.

Do you have to carry liability insurance in no fault States?

In fault states, drivers are required to carry a certain amount of liability coverage whenever they are on the road. Alternatively, in no-fault states, drivers will need to use their own insurance to pay for medical bills, regardless of who caused the accident.

What kind of insurance do you get when you are not at fault?

In the United States, there are two types of insurance systems: fault states and no-fault states. In fault states, also called tort states, you can file a claim against the other driver’s Bodily Injury coverage when you’re not to blame.

Can you file a claim if the other driver is not at fault?

In fault states, also called tort states, you can file a claim against the other driver’s Bodily Injury coverage when you’re not to blame. In no-fault states, the accident-related medical bills that you sustain are covered under your own policy regardless of who’s to blame.

How does no fault car insurance work in Hawaii?

No-Fault Car Insurance Basics in Hawaii. Hawaii is one of around a dozen states that adheres to a “no-fault” car insurance system. After a car accident in Hawaii, your “personal injury protection” (PIP) coverage pays your medical bills and certain other financial losses (up to policy limits), regardless of who was at fault for the accident.

Who is at fault for a car accident if you have no insurance?

The responsibility to pay for damage following a car accident usually falls to the party at fault for the accident. If you are at fault and only have compulsory third party insurance, you will have to pay for the damage out of pocket. So, what should you do if you’ve been in a car accident with no insurance?

What happens if you live in a no fault state?

If You Live in a No-Fault Insurance State. At last count, at least 12 states followed what is known as a “no-fault” car insurance system. In a no-fault state, if a person is injured in a car accident, that person is generally required to seek compensation directly from their own car insurance coverage.

Is there no-fault coverage for medical bills?

No-fault coverage only applies to medical bills. 12 states have no-fault laws, and three of those states give drivers the option to choose between fault or no-fault coverage. How Do Insurance Adjusters Determine Fault?