Aloha and welcome to one of the most lush, beautiful and serene states in the union. Majestic views greet you as you travel down roads surrounded by lush rain forests. Butterflies and exotic birds flit around as you drive towards the serene waters that sparkle an unimaginable blue-green in their purity. Temperatures that call to the senses like a siren’s song to mythological sailors, how can one pass up the opportunity? Waves that crest in perfection as surfers accept their challenge of riding their currents.
Hawaii is a beautiful island, and no one would tell you otherwise. Hawaii also has a serious, responsible side. Part of that entails keeping proper car insurance coverage on your vehicle. What is proper Hawaiian car insurance coverage, you ask?
Well, in keeping with the laid back atmosphere of Hawaii, this is a “no fault” state. This means that you must cover your insurance company will pay for you and your passengers injuries up to a set limit. The minimum amount of coverage you must have in Hawaii is $10,000 per person in your vehicle.
You must also carry bodily injury and property damage coverage. The Hawaii car insurance minimum for bodily injury expenses is $20,000 per person and $40,000 for all persons in a single accident. Property damage must cover at least $10,000 worth of expenses.
As with other states, Hawaii has some pretty hefty fines if you allow the insurance on your registered car to lapse. The cost to you if you get caught without car insurance is $1000 for your first offense. It then jumps to almost $3000 for your second offense. Further dereliction of maintaining car insurance in Hawaii will result in higher fines. Needless to say, it would be much cheaper to keep insurance on your vehicle.
Also, consider that along with the fines you will face the possibility of having both your registration and your driver’s license suspended. To add more woe to your situation, you could also find yourself behind bars if the inciting incident or multiplicities of your offenses are severe enough.
The amount you would end up shelling out in legal fees to defend yourself if the latter situation occurred, again make for the argument to maintain your car insurance at all times in Hawaii.
Hawaii is a very beautiful state, indeed. It is also an extremely expensive state to live in. The cost of living in Hawaii is very high. To make sure you are stretching your dollar as far as you can, go online and access a car insurance aggregate site. Here you can make comparisons of what is offered and how much it will cost you to attain the car insurance that you require for your particular situation.
There is no since in making the joy of living in such a wonderful naturally decorated environment miserable by not acquiring and maintaining the proper car insurance. The minimums are just that, you might want to consider more coverage since the price of things in Hawaii are more than other areas of the United States. Get your insurance, enjoy your scenic drive whether to the beach or to work, and Mahalo.