While all drivers in Hawaii are required to have at least the minimum level of coverage in place, they may also choose to buy optional coverage as well. Considering Uninsured Motorist (UM) coverage is a good idea, and all car insurance companies operating in the state are required to offer it to their customers. The company must offer a minimum of $20,000 in UM coverage to all customers, and the offer must be made in writing. All customers are free to decline the offer, if they wish.
Buying UM coverage in Hawaii is a good idea, since it provides protection if the occupants of a vehicle are injured as the result of a collision with an at-fault driver who does not have insurance coverage. Since Hawaii is a no-fault state, the driver’s own insurance company will pay benefits up to the policy limit. In the case of a serious accident where the injured person has the right to sue and the other driver doesn’t have car insurance coverage, collecting a payment may be difficult, if not impossible to do.
Underinsured Motorist (UIM) coverage is another type of optional car insurance coverage available in Hawaii. It makes up the difference between an at-fault driver’s coverage and the amount of damages payable after an accident.