HI DMV Insurance Requirements 1 — Questions and Answers
Question 1: What is the minimum bodily injury liability coverage required per person in Hawaii?
- $10,000
- $20,000 (Correct answer)
- $25,000
- $50,000
Correct answer: $20,000
Hawaii law requires a minimum of $20,000 bodily injury liability coverage per person.
Question 2: What is the minimum bodily injury liability coverage required per accident in Hawaii?
- $20,000
- $30,000
- $40,000 (Correct answer)
- $60,000
Correct answer: $40,000
Hawaii requires a minimum of $40,000 bodily injury liability per accident, covering multiple injured parties.
Question 3: What is the minimum property damage liability coverage required in Hawaii?
- $5,000
- $10,000 (Correct answer)
- $15,000
- $25,000
Correct answer: $10,000
Hawaii requires a minimum of $10,000 in property damage liability coverage per accident.
Question 4: Hawaii is considered what type of auto insurance state?
- At-fault state
- No-fault state (Correct answer)
- Choice no-fault state
- Tort liability state
Correct answer: No-fault state
Hawaii is a no-fault state, meaning drivers first file claims with their own insurance regardless of who caused the accident.
Question 5: What does PIP stand for in Hawaii auto insurance?
- Property Insurance Policy
- Personal Injury Protection (Correct answer)
- Primary Insurer Payment
- Policyholder Injury Plan
Correct answer: Personal Injury Protection
PIP stands for Personal Injury Protection, which covers medical expenses and lost wages after an accident regardless of fault.
Question 6: What is the minimum Personal Injury Protection (PIP) coverage required in Hawaii?
- $5,000
- $10,000 (Correct answer)
- $15,000
- $20,000
Correct answer: $10,000
Hawaii requires a minimum of $10,000 in PIP coverage per person to pay for medical expenses after an accident.
Question 7: When must you be able to show proof of motor vehicle insurance in Hawaii?
- Only when registering your vehicle
- Only after an accident
- Whenever requested by a law enforcement officer (Correct answer)
- Only during vehicle safety inspections
Correct answer: Whenever requested by a law enforcement officer
Hawaii drivers must be able to produce proof of insurance whenever requested by a law enforcement officer.
HI DMV Insurance Requirements 1
What is the minimum bodily injury liability coverage required per person in Hawaii?