What happens if the driver who hit me in a Hawaii car accident is uninsured or underinsured?

If you are involved in a car accident with an uninsured or under insured driver, you will need to rely on your own insurance coverage. This is why it is important that you carry enough coverage, since there is no way to know if another driver will be adequately covered in the event of a car accident.

Personal Injury Protection (PIP) in Hawaii

In the state of Hawaii, PIP has become a mandatory, no-fault type of medical insurance with a minimum coverage amount of $10,000. No matter who is at fault in a Honolulu car accident, if medical care and treatment becomes necessary, PIP benefits will cover the costs for the owner and any occupants in the vehicle at the time of the accident, up to the limits of the policy.
If medical costs exceed the maximum amount of PIP coverage, the rest will become the responsibility of any private health insurance policy that you carry.

Uninsured Motorist and Underinsured Motorist Coverage in Hawaii

Uninsured motorist (UM) and underinsured motorist (UIM) coverage gives you peace of mind in the event you are involved in a Honolulu car accident with an uninsured or underinsured driver. It is a good idea to get the maximum amount of coverage for both.
While it may seem unlikely that you would ever use it, you might be surprised at how many uninsured or underinsured motorists are on Hawaii roadways. This is not the type of coverage you want to waive.
If you have been seriously injured in a car accident, contact a car accident lawyer who can evaluate your case to determine if negligence was the cause of your accident. Your Honolulu car accident lawyer can also gather evidence necessary to build a strong argument for your case, and can examine your insurance policy to determine the types of compensation to which you are eligible under your policy limits.
 
Contacting a Car Accident Lawyer
After a serious car accidenti, you should be able to spend your time focusing on your recovery; not dealing with insurance adjusters, never-ending paperwork and complicated legalese. Hawaii attorneys Davis Levin Livingston will fight for your rights while you focus on healing. Serving accident victims on Oahu, Maui, the Big Island, Kauai and beyond. Contact us today for a no-cost case evaluation – 866-806-4349.
Posted in Car Accidents

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