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No-Fault Insurance in Hawaii
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Hawaii is referred to as a "No-Fault State". This term can be very confusing. We get a lot of calls from people who have been in auto accidents in Hawaii who think that it doesn't matter who is at fault in a car accident in Hawaii. This couldn't be further from the truth. No-fault insurance (also known as Personal Injury Protection, or "PIP") refers to the $10,000 in medical benefits that all car insurance companies in Hawaii are required to include in auto insurance policies. It certainly still matters who is at fault in an accident.
The reason why these medical benefits are called no-fault insurance benefits is that fault doesn't matter when it comes to the $10,000 in medical benefits. No matter who is at fault in a car accident in Hawaii, the insurance for the vehicle that you were in will pay the first $10,000 in medical benefits. Many people are confused about why their own insurance has to pay their medical bills when it was the driver of the other car who caused the accident. The reason why this law was written this way is that the first concern in an auto collision in Hawaii is that all those who are injured get the medical treatment they need as soon as possible. Sometimes it is not clear who is at fault in an accident. Therefore, instead of having injured people wait for the insurance companies to sort out who is at fault before getting treatment, with the no-fault coverage, all who are injured in accidents in Hawaii can go ahead and get the treatment that they need with the assurance that their own car insurance company will pay the bills no matter who was at fault.
Hawaii No-fault insurance covers any reasonable medical treatment that is related to the injuries from the accident. It covers bills for the ambulance, emergency room, doctor visits, physical therapy, massage therapy, and even acupuncture.
No-fault insurance gives the people of Hawaii the piece of mind that if they are involved in an auto accident they won't have to worry about medical bills. They can also rest assured that our law firm will hold the at-fault driver accountable for their pain and suffering, wage loss, and any other expenses related to the auto accident.