Hawaii · Handbook chapter 6 · 3 min read
Chapter 6: Crashes and insurance
What to do after a crash in Hawaii, when to report it, exchanging information, Hawaii's no-fault insurance minimums, the right to sue and the safety responsibility law.
Why this chapter matters
The test asks what to do at a crash scene and about Hawaii's no-fault insurance figures. Learn $3,000, $10,000, $20,000, $40,000, $5,000 and three years.
Reporting a crash
Call the police right away, by the fastest means you have, after a crash that causes any injury or a death, or $3,000 or more in property damage.
At the scene
- Stop at once. If you can, move your vehicle off the traveled part of the road. Do not leave without identifying yourself and helping.
- Help the injured. Call the police and ask for an ambulance if needed. Do not move injured people unless you must, keep them warm, protect them from traffic and use direct pressure on severe bleeding.
- Warn traffic. Have someone warn approaching drivers. Keep a flashlight and flares in your vehicle.
- Exchange information. Give your name, address and vehicle registration number, and show your license if asked.
- If you hit an unattended vehicle, find the owner or leave a written note with your name, address and what happened. Tell the owner of any other property you damage.
Safety responsibility law
It applies to drivers in crashes with death, injury or property damage over $3,000, and to people convicted of certain vehicle offenses.
- After a crash, report to the police and your insurer and file evidence of insurance (Form SR-21).
- After a conviction for certain offenses, file proof of financial responsibility (Form SR-22) and keep it for three years.
- If you do not comply, your license is suspended.
No-fault insurance
Every owner of a car, bus or truck must carry motor vehicle insurance to register or drive it.
| Coverage | Minimum |
|---|---|
| Basic medical and rehabilitation benefits | Up to $10,000 per person |
| Bodily injury liability | $20,000 per person, $40,000 per accident |
| Property damage liability | $10,000 per accident |
Damage to your own car is not covered unless you buy extra coverage.
You can sue for property damage at any time, but for bodily injury only if medical bills exceed $5,000, the injury causes permanent loss of a body part or function or serious disfigurement, or the injury results in death.
Each violation of the insurance law is a separate offense, punishable by a fine of up to $5,000 or up to 30 days in jail, license suspension, loss of registration, or a combination.
Frequently asked questions
When must a Hawaii crash be reported to police?
Immediately, if anyone is injured or killed or property damage is $3,000 or more.
What are Hawaii's minimum liability limits?
For injuries, $20,000 for each person and $40,000 for each accident; for damage to property, $10,000.
How long must an SR-22 be kept on file?
Three years from the date of conviction.