When you are injured in an auto accident, or are potentially responsible for injuries to others, you insurance policy provisions come into play. It is important to carry insurance coverage that is best calculated to compensate you for your own injuries as well as to protect you from claims. The skilled personal injury attorneys at the Law Offices of Brian J. DeLima in Hilo can thoroughly review your insurance policy and assess whether you have adequate coverage. If you have been in accident, we can advise you on pursuing injury claims against your own policy and discuss the possibility of filing a claim against another driver who may have been at fault. In all respects, we will fight diligently to secure the compensation you need and deserve.
In Hawaii, vehicle owners must maintain certain minimum insurance coverage in order to legally operate their vehicles in the state. These coverage types and requirements are as follows:
Although these are the minimum amounts, you can and should purchase additional insurance to guard against significantly higher claims filed by you or by others.
Hawaii is one of the few “no-fault” states. Here, if you are injured in an accident, you must first make a claim against your own insurance policy, regardless of whether you or someone else was at fault. You can make a claim up to the maximum value of your PIP insurance coverage to pay for your medical expenses and other financial losses. If your damages exceed your policy limits and you suffered serious injuries, you may be able to file a claim against an at-fault party. However, other parties may be uninsured or underinsured, requiring you to claim against those coverage provisions of your policy. For these reasons, it is advisable to increase your policy limits to prepare for such contingencies. Similarly, you should carry higher thresholds of liability coverage. Our compassionate legal team can review your situation and advise you on how much insurance you should purchase so that you are more likely to be adequately covered.
Hawaii’s insurance claims process can be difficult to navigate. The dedicated legal team at the Law Offices of Brian J. DeLima can help you assess the adequacy of your coverage and counsel you on your available options. Please call our Hilo office at 833-664-6245 or contact us online to schedule your free consultation.