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Kailua Kona, Hawaii Auto Insurance
Requirements For Kailua Kona, Hawaii Drivers
Hawaii is one of the no-fault states. What that means is that when a car accident occurs, no one is blamed. However, individuals are still required to purchase personal injury protection insurance in addition to liability coverage. In no-fault states, each driver is required to have PIP insurance. That way both parties’ medical bills are covered. That is done no matter who caused the accident. Sometimes, the individual who is at fault might be held responsible for some injuries that were sustained. So it will be his liability insurance that will be covering compensation for the injured person.
Kailua Kona, Hawaii’s Required Limits
You are required to purchase $20,000 in coverage in order to be prepared for the potential of being held responsible to pay for another person’s injuries. This is the amount that is designated for one individual. A maximum amount of $40,000 is in place for covering any medical costs for anyone who was injured in this car insurance package. The no-fault system isn’t applicable towards any damage to any property. Therefore liability coverage of $10,000 is given to the individual who was hit by the policy owner. For PIP coverage the minimum amount must be at least $10,000.
Optional Underinsured or Uninsured Coverage
For individuals in Kailua Kona, Hawaii, there are a number of inexpensive insurance options. However, many individuals decide not to follow everything according to what the law states. Some end up driving without coverage, despite the fact that they are just as likely to be involved in an auto accident as anybody else is. Because of this, Kailua Kona, Hawaii recommends that drivers purchase additional coverage for taking care of injuries that they might receive when the individual at fault is either underinsured or uninsured.
An uninsured driver doesn’t have any coverage whatsoever, while an underinsured driver does have the required liability coverage. A driver is considered to be underinsured if their insurance is insufficient for paying all of the bills. Kailua Kona, Hawaii recommends that individuals purchase this type of coverage in the amounts that are same as liability insurance requirements.
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