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.
HI DMV Insurance Requirements 2
Under Hawaii's no-fault insurance system, whose insurance covers your medical expenses after an accident?