In Hawaii the minimum mandatory insurance coverage includes $20,000 per person/$40,000 per accident bodily injury liability and a $10,000 per occurrence property damage liability. These types of liability insurance cover damages for the injured party when you are at-fault in an accident. Liability insurance does not cover your own injuries or property damages.

Hawaii is considered a "no-fault state", which means you are also required to carry personal injury protection (PIP) coverage of $10,000. The benefits of a PIP policy include protecting you and your passengers up to the limits by paying medical and rehabilitative costs.

No-fault in HI means that you cannot sue or be sued unless there are serious injuries. Since no-fault here applies to the injuries, not to vehicles or property, the at-fault driver of an accident is still responsible for damages to the vehicle and property.

Hawaii insurance providers also offer uninsured motorist (UM) and underinsured motorist (UIM) coverages to buyers of car insurance. You may purchase a minimum of $20,000 per person of UM and/or UIM coverages. Uninsured motorist coverage will pay for serious injury or death if the driver at fault does not have insurance or in case of a hit and run accident. Underinsured motorist coverage pays if the driver at fault does not have enough insurance.

UM and UIM insurance coverage benefits are in the added protection you receive. This is different than bodily injury liability coverage which covers the other party if you are at fault. Bodily injury liability insurance takes care of injuries to others that you are responsible for, while uninsured and underinsured motorist takes care of your serious injuries if the other person was uninsured or underinsured for your injuries.