Rental Car Insurance Honolulu Hawaii HI

Reader’s Question:

I’m going to Honolulu, Hawaii for a vacation, is car insurance required or just optional if I rent a car?

Frank

Honolulu, HI

Car insurance coverage while renting a car in Honolulu, Hawaii is optional. The reason for this is that you may already be covered while traveling through your current car insurance. In general, when you rent a car, the liability coverage limits you have with your own car insurance policy remain in effect with the same limits.

Hawaii is a no fault state, which means that in the occurrence of an accident each driver’s medical expenses will be covered by their own insurance company, regardless of who was at fault. Each driver must carry PIP (personal injury protection) coverage which will cover their medical expenses in case of a car accident. In the state of Hawaii, every car owner, bus or truck owner must have car insurance in order to register or operate a vehicle. Any person who violates any applicable provision of the Hawaii car insurance law will be subject to citation for such violation. Each violation shall be charged a separate offense and shall be subject to a fine not to exceed $5,000 or thirty (30) days of imprisonment, or suspension of motor vehicle operator’s license, or forfeiture of motor vehicle certificate of registration, or any combination of such penalties.

Tags: auto insurance