Oahu uninsured motorist and underinsured motorist insurance coverages are two different types of car insurance coverages. If you are hit in your car on Oahu by someone that does not have Hawaii bodily injury liability insurance coverage, than that person is uninsured and the Oahu, Hawaii uninsured motorist insurance coverage may apply. Furthermore, when that person that hit you in your vehicle does not have enough car insurance coverage than he is considered underinsured and the underinsured motorist insurance may be applicable.
Hawaii Revised Statute Section 431:10C-301(b)(3) defines uninsured motorist insurance coverage, it states, "for the protection of persons insured thereunder who are legally entitled to recover damages from owners or operators of uninsured motor vehicles because of bodily injury, sickness, or disease, including death, resulting therefrom."
The motor vehicle insurance laws in Oahu, Hawaii provide that an uninsured motor vehicle is a vehicle that does not have bodily injury liability insurance or self-insurance in place at the time of the motor vehicle accident. Also, the car insurance laws state that an unidentified motor vehicle that is the cause of a car accident in Hawaii which results in personal injury and the collision is reported to the Honolulu Police Department or another proper government agency and the injured person informs his car insurance company within 30 days after the car accident that there may be a legal cause of action due to the motor vehicle collision.
The Oahu, Hawaii uninsured motorist laws are a remedy for those who are injured in Hawaii due to the negligence of another driver who did not have proper bodily injury insurance. These laws also cover hit and run drivers or other negligent drivers who don't have the money to compensate the injured person.