In Hawaii, the Class One Insureds is the person who is named on the Hawaii Automobile Insurance Policy. Also included as Class One Insureds are residents of the same household or the named insured's spouse and relatives. Hawaii Automobile Insurance law provides that the: "status at the time of the injury, whether passenger, pedestrian, or driver of an insured or uninsured vehicle, is irrelevant to recovery under the statutorily mandated coverage. The coverage is portable. The insured and family members…are insured no matter whether they are injured."
The Supreme Court of Hawaii also held that Class One Insureds: "are insured when injured in an owned vehicle named in the policy, in an owned vehicle not named in the policy, in an unowned vehicle, on a motorcycle, on a bicycle, whether afoot or on horseback or even on a pogo stick or in a rocking chair on one's front porch. Uninsured motorist statutes place no geographical limits on coverage and do not purport to tie protection against uninsured motorists to occupancy of an insured vehicle. Uninsured motorist protection offers coverage for persons, not for vehicles."
In conclusion, geographical location of Hawaii Class One Insureds is unimportant to determine Hawaii motor vehicle insurance coverage; however, the status as either the person named as the insured or as a relative is important and must be considered when determining the Hawaii car insurance coverage.