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Every state requires drivers to carry a minimum amount of liability insurance to compensate other drivers for damages and injuries suffered in accidents they may cause. While the consequences of failing to comply with these laws differ from one state to another, drivers without adequate auto insurance everywhere are exposed to considerable liability risks and potentially severe criminal penalties.

Auto Insurance Requirements in Hawaii

Hawaii is a no-fault state, which means drivers must have at least $10,000 in personal injury protection to compensate them for any injuries sustained in an accident, as well as $20,000 in liability coverage per person, with a $40,000 limit per accident. State law also mandates that drivers carry $10,000 in property damage protection.

Criminal Consequences of Driving Without Auto Insurance

auto insuranceDriving without insurance is considered a criminal offense, with fines ranging from $100 to $5,000 per violation. These penalties increase to $500 for a first offense if the you receive a traffic citation while driving without insurance, and $1,500 for each subsequent offense. Furthermore, those with several offenses in a five-year period risk a suspended license, and may even face jail time.

Civil Risks of Inadequate Insurance

While Hawaii is a no-fault state, accident victims may be able to file a lawsuit against the liable parties if the case involves severe or disabling injuries. Without insurance, you may be responsible for these damages, potentially putting everything you own at risk. If the injured party wins a lawsuit judgment, they may be able to seize your valuable assets, including your house, car, and savings accounts.

 

 

Since 1958, Mutual Underwriters has been providing drivers throughout Hawaii cost-effective auto insurance policies tailored to their unique needs. Visit their website now to find their nearest location, call (808) 532-2888 to request a quote, and get more insurance advice by following their Facebook page today.

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