Drivers in the state of Hawaii are required to carry insurance. Unfortunately, not everyone does. Therefore, if you are injured in a car accident by an uninsured driver or a driver who carries very limited insurance coverage, you could be facing huge medical bills and other accident expenses on your own.
Benefits of Uninsured/Underinsured Motorist Coverage in Hawaii
One of the benefits to having uninsured/underinsured motorist coverage is if you are injured in a car accident in Hawaii by a negligent driver who is without insurance, you will be able to cover your medical bills and other injury-related expenses, up to the limits of your coverage. This is why it is always a good idea to get as much coverage as possible.
Another benefit to uninsured/underinsured motorist coverage is that while your health insurance may help to pay for your medical expenses, it may not be enough if you end up in the hospital or require long-term medical care. Even a short stay in the hospital can lead to thousands of dollars in hospital bills.
In addition, health insurance won’t cover your lost wages if you miss time from work or cover non-economic damages like pain and suffering. Uninsured/underinsured motorist coverage can pay for all expenses related to your injuries, again, provided you have enough coverage.
While you shouldn’t skimp on uninsure/underinsured motorist coverage, the fact remains that if you are seriously injured in a car accident in Hawaii, you should speak with an experienced Honolulu accident lawyer who can help determine all of your options for seeking compensation for your accident injuries and expenses.