Insurance Requirements Flashcards

Under Hawaii's no-fault insurance system, whose insurance covers your medical expenses after an accident?

Answer: Your own insurance

Under Hawaii's no-fault system, your own PIP insurance covers your medical expenses regardless of who was at fault.

What happens to your vehicle registration in Hawaii if you let your auto insurance lapse?

Answer: Your registration may be suspended

Hawaii can suspend a vehicle's registration if the owner fails to maintain the required minimum auto insurance.

Which of the following is an acceptable form of proof of insurance in Hawaii?

Answer: An insurance ID card issued by your insurer

An insurance ID card issued by your insurance company is a standard and accepted proof of insurance in Hawaii.

In Hawaii, if you are in an accident and the other driver is uninsured, which of your coverages helps pay your costs?

Answer: Uninsured motorist coverage

Uninsured motorist coverage protects you when the at-fault driver has no insurance to cover your damages.

What does liability insurance cover in Hawaii?

Answer: Injuries and property damage you cause to others

Liability insurance covers bodily injury and property damage that you cause to other people in an accident.

Which type of coverage pays for damage to your own vehicle caused by hitting another car in Hawaii?

Answer: Collision coverage

Collision coverage pays for damage to your vehicle when it collides with another vehicle or object, regardless of fault.

In Hawaii, PIP coverage pays for which of the following after an accident?

Answer: Medical expenses and lost wages for you and your passengers

PIP covers medical bills and lost wages for the policyholder and passengers regardless of who caused the accident.