Hawaii motor vehicle liability coverage is a contract in which the insurance company agrees to pay, on behalf of the owner of the insured vehicle or the driver of the vehicle if he/she was using the vehicle with the reasonable belief that he/she was entitled to operate the car, the amount which the driver or owner is obligated to pay as the result of injury to another. Liability coverage usually applies to newly acquired vehicles and temporary substitute vehicles.
In Hawaii, the insurance companies are required to offer optional insurance coverage such as: coverage for loss due to damage to the insured's vehicle, coverage for damages not covered by no-fault coverage, coverage for wage loss benefits, death benefit coverage.
Hawaii has a Joint Underwriting Plan which was established to provide insurance for those people who could not obtain insurance through other ways. The joint underwriting plan provides coverage for assigned risk drivers, licensed drivers convicted of careless driving, driving without a license, leaving the scene of an accident, wrongful death, and driving under the influence.
The Hawaii Joint Underwriting Plan also provides that each person who is injured in an accident may obtain benefits when no other car insurance benefits are available. The Hawaii JUP exclusions do not apply to a personal who is ineligible due to criminal conduct or when a driver or passenger had a reason to believe the vehicle was uninsured, or to those who were operating a motorcycle, motor scooter,
moped, or an
pedestrian.