Insurance companies in Hawaii have several different departments which have different functions. Most companies use an agency system for their sales. Once an agent sales a Hawaii car insurance policy, it must be evaluated by an underwriter. Underwriters evaluate the risk to be insured. Usually, if a loss is more probable, the car insurance premium will be higher.
The car insurance claims department provides what was promised to the person insured, i.e., it covers the losses. Basically, a claim is a request for a payment for a loss. A car accident claim is for a sudden, unexpected event. Claims are usually determined to be first party claims or third-party claims. A first party claim is a car accident claim made by the insured directly to their own insurance company. These types of claims are for no-fault benefits, automobile collision claims, underinsured motorist claims, and uninsured motorist claims.
Hawaii vehicle accident third-party claims are from the insured's liability to other people for personal injury or vehicle damage which resulted for the negligence of the person who was insured.
Hawaii car accident insurance claims departments first receive notification of the auto accident claim. The car accident claim is usually reported by telephone to the car insurance company. The insurance adjustor will refer the accident claim to the claims department where an initial vehicle accident report is completed.
The next step for the auto accident insurance company is to investigate the accident. The auto insurance company will investigate liability, damages, and also causation of the accident.