HI DMV Insurance Requirements 2 — Questions and Answers
Question 1: Under Hawaii's no-fault insurance system, whose insurance covers your medical expenses after an accident?
- The at-fault driver's insurance
- Your own insurance (Correct answer)
- The state insurance fund
- A shared liability pool
Correct answer: Your own insurance
Under Hawaii's no-fault system, your own PIP insurance covers your medical expenses regardless of who was at fault.
Question 2: What happens to your vehicle registration in Hawaii if you let your auto insurance lapse?
- Nothing, insurance is not tied to registration
- Your registration may be suspended (Correct answer)
- You receive a written warning only
- Your license plates are mailed back to the DMV
Correct answer: Your registration may be suspended
Hawaii can suspend a vehicle's registration if the owner fails to maintain the required minimum auto insurance.
Question 3: Which of the following is an acceptable form of proof of insurance in Hawaii?
- A verbal statement from your agent
- An insurance ID card issued by your insurer (Correct answer)
- A canceled check made out to the insurer
- A credit card bill showing an insurance payment
Correct 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.
Question 4: In Hawaii, if you are in an accident and the other driver is uninsured, which of your coverages helps pay your costs?
- Comprehensive coverage
- Collision coverage
- Uninsured motorist coverage (Correct answer)
- Liability coverage
Correct answer: Uninsured motorist coverage
Uninsured motorist coverage protects you when the at-fault driver has no insurance to cover your damages.
Question 5: What does liability insurance cover in Hawaii?
- Damage to your own vehicle
- Your own medical expenses after a crash
- Injuries and property damage you cause to others (Correct answer)
- Theft of your vehicle
Correct 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.
Question 6: Which type of coverage pays for damage to your own vehicle caused by hitting another car in Hawaii?
- Liability coverage
- PIP coverage
- Comprehensive coverage
- Collision coverage (Correct answer)
Correct answer: Collision coverage
Collision coverage pays for damage to your vehicle when it collides with another vehicle or object, regardless of fault.
Question 7: In Hawaii, PIP coverage pays for which of the following after an accident?
- Damage to your car
- Medical expenses and lost wages for you and your passengers (Correct answer)
- Legal fees if you are sued
- Property damage caused to others
Correct 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.