Hawaii car accident loans

No-Fault Insurance: Hawaii is a no-fault state for auto insurance. This means that after a car accident, each driver’s own insurance typically covers their medical expenses and certain other damages, regardless of who was at fault. Drivers are required to carry personal injury protection (PIP) coverage to cover these expenses.

Pure Comparative Fault: Hawaii follows the doctrine of pure comparative fault. In a car accident case, fault can be allocated to multiple parties involved, and the compensation is reduced by the percentage of fault assigned to each party. Even if you are partially at fault for the accident, you may still recover damages, although the amount you receive will be reduced by your percentage of fault.

Seat Belt Laws: Hawaii has strict seat belt laws. All occupants in the vehicle, both front and rear seats, must wear seat belts at all times. Failure to do so can result in fines and penalties.

Cell Phone Use: Hawaii prohibits all drivers from using handheld electronic devices, including cell phones, for texting, making calls, or accessing the internet while driving. Only hands-free devices are allowed.

Uninsured/Underinsured Motorist Coverage: Hawaii law requires auto insurance companies to offer uninsured and underinsured motorist coverage to policyholders. This coverage helps protect you if you are involved in an accident with a driver who does not have insurance or whose insurance coverage is insufficient to fully compensate you for your damages.