HI DMV Insurance Requirements 2

Question 1

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

Accepted Answer

Your own insurance

Answer

The at-fault driver's insurance

Answer

The state insurance fund

Answer

A shared liability pool

Question 2

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

Accepted Answer

Your registration may be suspended

Answer

Nothing, insurance is not tied to registration

Answer

You receive a written warning only

Answer

Your license plates are mailed back to the DMV

Question 3

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

Accepted Answer

An insurance ID card issued by your insurer

Answer

A verbal statement from your agent

Answer

A canceled check made out to the insurer

Answer

A credit card bill showing an insurance payment

Question 4

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

Accepted Answer

Uninsured motorist coverage

Answer

Comprehensive coverage

Answer

Collision coverage

Answer

Liability coverage

Question 5

What does liability insurance cover in Hawaii?

Accepted Answer

Injuries and property damage you cause to others

Answer

Damage to your own vehicle

Answer

Your own medical expenses after a crash

Answer

Theft of your vehicle

Question 6

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

Accepted Answer

Collision coverage

Answer

Liability coverage

Answer

PIP coverage

Answer

Comprehensive coverage

Question 7

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

Accepted Answer

Medical expenses and lost wages for you and your passengers

Answer

Damage to your car

Answer

Legal fees if you are sued

Answer

Property damage caused to others