The State of Hawaii is not a No-Fault insurance state. However, Hawaii does require drivers to have at least liability car insurance for Hawaii. Also vehicle owners must present proof of insurance coverage before they can register their vehicle. The minimum requirement for liability car insurance coverage in Hawaii is $20,000 per person for bodily injury per accident, $40,000 per accident for bodily injury, $10,000 per accident for property damage and $10,000 personal injury protection. In case of an accident, your auto insurance provider will act as your “safety net” since it will cover the expenses in result of the accident. The bodily injury per person amount is the coverage for each person in the accident. The per accident for bodily injury means the payout that is available to you for the total amount of injury per the accident. The property damage per accident is the amount covered in a single accident for damages to property, including damage to the other drivers vehicle, to houses, garages and buildings. The personal
injury protection shall pay for the cost of medical expenses for your own injury or for the passengers of your vehicle.

The No-Fault system has two threshold levels: the verbal and the monetary. Hawaii implements the monetary threshold. Under the monetary threshold, the state then will set a standard monetary amount that the victim must reach before they can get the additional damages from the insurance company. The monetary threshold in Hawaii is $5,000. This means that you have to incur $5,000 in medical bills before you can claim for damages from the party responsible for the accident. This is set up to prevent drivers from suing each other in case of an accident. However, should the medical bill exceed $5,000 the fault must then be established. In some cases, personal injury lawyers are needed to settle the dispute between insurance providers.