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.

What happens in a no fault car accident?

Instead of filing a personal injury lawsuit against a negligent driver, motorists can simply file a claim with their own insurance company. The no-fault system allows accident victims to claim compensation quickly instead of waiting several months or even years for a decision to be made in a car accident case.

How much does not at fault car insurance cost?

According to our State of Insurance analysis, a not-at-fault accident raised rates $107 per year in 2019. Below are some average rates for popular car insurance companies in the US with a not-at-fault accident listed.

What happens after a car accident in Hawaii?

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.

Can a car accident not be your fault?

And yes, perhaps you were at fault, if only partially. Also, there may be instances where the other motorist’s insurance company denies responsibility. In either case, your own insurance company will need to know, either to launch a legal challenge against the other insurer or to process a collision claim for your vehicle.

Are there limits to no fault car insurance?

No-fault/PIP claims have limits when it comes to the kinds of losses that are covered, though. Most importantly, you can’t get compensation for your “pain and suffering” and other non-monetary damages stemming from the accident.