Honolulu Auto Insurance Quotes

Honolulu is one of the most populous cities in the state of Hawaii. A large populace means a large number of automobiles plying on the road and a large number of automobiles mean increased frequency of accidents and thefts. To own a car in such a city without auto insurance cover is not advisable. There are plenty of insurance firms in Honolulu and getting a great insurance deal is possible only after acquiring knowledge about the various auto insurance policies.

Insurance Coverage

The minimum liability for bodily damage is fixed at $20,000 and the maximum claim irrespective of the number of people involved in the accident is $40,000. Hawaii state laws also require the automobiles to be covered by personal injury protection, also known as managed care. The minimum personal injury protection as per the state law is 10,000$. Managed care helps you in dealing with hospital bills arising out of accidents. The medical claims have to be reasonable and well justified.

No Fault System

The state of Hawaii follows the No Fault system for settling of insurance claims in regards to auto insurance. It means that the insurance firm will settle your claims regardless of the fault, until a pre determined limit. This system has its pros and cons. Under this system, you may lose some of the rights to sue when affected by an accident. A person can sue only if he is the victim of serious bodily harm, and a person can be sued only if he causes serious injuries. This rule is applicable only to physical injuries and not to general damage done to property. If you are the victim of an accident where no serious physical harm has been inflicted, you can sue in regard to the property damage. But this will culminate in you losing your right to sue for minor physical injuries.