Complete Guide to Hawaii Auto Accidents

​Introduction

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Car accidents are sudden, chaotic, and often traumatic, especially in Hawaii, where winding coastal roads, heavy tourist traffic, and unpredictable weather can increase the risk of collisions. Whether you're a resident or a visitor, knowing what to do immediately after a crash can protect your health, legal rights, and financial well-being.

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This guide provides a step-by-step breakdown of the actions you should take if you're injured in a car accident in Hawaii. From securing the scene and seeking medical attention to navigating Hawaii’s unique no-fault insurance laws, we’ll cover everything you need to know to handle the aftermath effectively.

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Immediate Steps After the Accident

1.  Ensure Safety First

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The moments after a crash are critical. Your priority should be:

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• Check for injuries: Assess yourself and others for visible injuries.

• Call 911 if anyone is hurt: Hawaii law requires reporting accidents involving injuries or significant property damage.

• Move to a safe location (if possible): If the vehicles are obstructing traffic and it’s safe, move them to the side of the road. Turn on hazard lights and set up flares or warning triangles if available.

• Stay in the car if it’s dangerous to exit: On highways or busy roads, remain inside with seatbelts fastened until emergency responders arrive.

2. Seek Medical Attention Immediately

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• Adrenaline can mask pain: Many injuries (whiplash, concussions, internal bleeding) don’t show symptoms right away.

• Get evaluated by a doctor: A medical report also serves as crucial evidence if you later file an insurance claim or lawsuit.

• Follow all treatment plans: Insurance companies may argue that delayed treatment means your injuries weren’t serious.

3.  Gather Essential Information

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Exchange the following with all involved parties:

• Names, phone numbers, and addresses

• Driver’s license and license plate numbers

• Insurance details (company name, policy number)

• Vehicle make, model, and color.

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If the driver isn’t the car’s owner, get the owner’s information as well.

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4.  Document the Scene Thoroughly

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Use your smartphone to take photos of:

• Vehicle damage (all angles)

• License plates

• Skid marks or debris

• Traffic signs, signals, and road conditions

• Visible injuries (bruises, cuts, swelling)

• Weather and lighting conditions

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These images can help prove fault and support your insurance claim.

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5.  Get Witness Statements

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If bystanders saw the crash, ask for their contact information. Their testimony could be invaluable if liability is disputed.

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6.  File a Police Report

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• Hawaii law requires a police report for accidents involving injury, death, or property damage over $3,000.

• Request a copy for your records—it will include the officer’s assessment of fault.

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Understanding Hawaii’s No-Fault Insurance System

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What Does “No-Fault” Mean?​

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Hawaii is a no-fault state, meaning:

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• Your own insurance covers medical expenses regardless of who caused the accident.

• This coverage is called Personal Injury Protection (PIP).

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PIP Coverage Requirements

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• Minimum PIP coverage: $10,000 per person.

• What PIP covers:

  • Medical expenses (hospital bills, surgery, physical therapy)

  • Funeral expenses (in fatal accidents)

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When Can You Sue the At-Fault Driver?

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You can step outside the no-fault system and file a lawsuit if:

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• Medical expenses exceed $5,000 (your PIP limit).

• Injuries are severe, permanent, or disfiguring.

• A death occurred.

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In such cases, you may seek compensation for:

• Additional medical bills

• Pain and suffering

• Lost earnings

• Emotional distress

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What PIP Doesn’t Cover​

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• Vehicle repairs (you’ll need collision insurance or a claim against the at-fault driver).

• Property damage (e.g., a fence or building hit in the crash).

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Seeking Medical Treatment​

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Don’t Delay Medical Care​

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• Hidden injuries (like concussions or soft tissue damage) may take days to appear.

• Insurance companies may deny claims if you wait too long.

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How PIP Pays for Treatment

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• Give your PIP insurance info to healthcare providers.

• Keep detailed records of all medical visits, prescriptions, and referrals.

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Seeing the Right Doctors

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• Avoid gaps in treatment (insurers may argue you weren’t seriously hurt).

• Follow through with specialists (chiropractors, physical therapists) if needed.

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Handling Insurance Claims

Notify Your Insurance Company Quickly​

• Report the accident within the required timeframe (check your policy).

• Provide only necessary details—don’t admit fault.

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Filing a PIP Claim​

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• Submit all medical bills to your insurer.

• Keep copies for your records.

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Dealing with the Other Driver’s Insurance​​

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• If their negligence caused the crash, their liability insurance may cover:

  • Car repairs

  • Excess medical bills

  • Pain and suffering

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Watch Out for Bad Faith Tactics

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• Insurers may pressure you to settle quickly or downplay injuries.

• Don’t sign anything without consulting a lawyer if you’re seriously hurt.

​Hawaii’s Statute of Limitations​

• You have two years from the accident date to file a lawsuit. 

• Consult an attorney regarding the exceptions to this law.

• Missing this deadline could forfeit your right to compensation.

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Special Considerations for Tourists​

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Rental Car Accidents​

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• Your rental insurance or credit card coverage may apply.

• Report the crash to the rental company immediately.

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Out-of-State Insurance

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• Hawaii’s no-fault laws still apply.

• Your home state’s PIP may extend to accidents in Hawaii (check your policy).

Seeking Legal Help as a Visitor

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• A local attorney can handle claims while you recover at home.

• They understand Hawaii’s unique laws and court procedures.

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Conclusion​

Being injured in a car accident is overwhelming, but taking the right steps can protect your health, finances, and legal rights. From securing the scene and seeking medical care to navigating insurance claims and potential lawsuits, this guide provides the knowledge you need to make informed decisions.

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If you’re seriously hurt, consulting a Hawaii personal injury attorney can ensure you receive the full compensation you deserve. Stay safe on the road, and know your rights if the unexpected happens​​​​​​​​​​​​​​​​​​​​​.