Am I going to jail if I get caught driving without insurance in Hawaii for the third time? What penalties should I be expecting from this?

George

Honolulu, HI

Typically, driving without insurance in Hawaii results in heavy fines. For the first offense its $1000 fine up to $3000 for the 2nd offense and continuing to go up for any subsequent offense. Other penalties can include imprisonment and suspension of your driver’s license. If the last conviction was due to an accident then penalties are likely to be quite severe.

The mandatory amount of car insurance in Hawaii is $20,000/$40,000 bodily injury liability and $10,000 for property damage liability plus PIP of $10,000. If you do not have this auto insurance on your car you are required to surrender the license plates and registration certificate and will not be able to operate a vehicle.

To know what penalties you are likely to receive for your latest offense contact the number listed on your citation or even perhaps your local DMV office in Hawaii.

What is a comparative negligence law? Is that law implemented in all states such as here in Honolulu, Hawaii?

Andrew

Honolulu, HI

Hey Andrew, the comparative negligence law is most commonly referred to as the No Fault Law. In an accident, the fault is not always placed on one participant, meaning one party is not necessarily always held at fault for the incident that happened. Often, fault is distributed, in varying percentages, to the parties involved such that both have liabilities. The allocation of fault is normally identified after the insurance company and the claimant has negotiated. The scope of the comparative negligence law vary per state, that’s why you have to either consult an attorney there in Honolulu, Hawaii, or get a copy of state laws in order for you to better understand how this works.

However, you may find that in most states, there are two primary versions. There is what they call a “pure comparative negligence” in which a claimant can collect up to the amount of their damages less the percentage of the damage that was found to be their fault. There is also “modified comparative negligence” wherein a claimant is allowed to collect from the other party’s insurance company if he/she is determined to be at fault for a certain percentage. This type of law is more widely used than the first one.

Tags: car insurance law

How long does a DUI remain on your driving record and increase your insurance rates in Hawaii? I got a DUI 7 years ago and my rates never went up.

Joey

Honolulu, HI

A DUI in Hawaii can also be termed as driving a car under the influence of an intoxicant (OVUII). Many OVUII HI arrests cause both the individual to have a criminal case in the district courts as well as a case against them in the Administrative Driver’s License Revocation Office (ADLRO). The ADLRO is a state agency that performs legal proceedings to determine whether the driving privileges of an individual arrested for DUI (OVUII) should be suspended or revoked.

The Hawaii DMV site does not list how long a DUI remains on your driving history but contact the Traffic Violations Bureau for driving record information. As for insurance providers usually they can go back 3, 5 or 7 years to check your MVR and rate your policy.

Some states may have limits on the amount of years an insurance providers can look back, so verify with the Department of Insurance for the state in which you are moving to check what their regulations are regarding this issue.

I have a full coverage in my automobile in Honolulu Hawaii. What will happen if I allow someone who is uninsured to drive my car? Will he be covered on my car insurance in case of an accident?

Patty

Honolulu, HI

Car insurance policies differ so it would be up to the terms of your auto insurance policy if the person who borrowed your vehicle will be covered or not by your car insurance policy.

Generally, most auto insurance policies will be extended to persons that you allow to drive your automobile. If however that individual resides in your household then normally they would have to be added on your car insurance to be covered and if you let someone borrow your vehicle to a friend for an extended amount of time or the individual operates your vehicle on a regular basis they may need to be listed your car insurance policy as an occasional driver.

To know for sure what coverages from your car insurance policy in Honolulu Hawaii would extend to those you allow to operate your automobile, read over the specifics of your car insurance policy. You may also talk with your insurance carrier regarding this. Your car insurance agent will be able to inform you what coverages extend to others that operate your vehicle and what would happen if another driver driving your car was in an accident.

Tags: auto insurance

Do I have the option not to file a car insurance claim in Hawaii if I can afford to pay for damages? What are simple rules I can keep in mind regarding filing claims?

Alona

Honolulu HI

It may be very hard to keep a clear mind about what you have to accomplish while you are in a car accident. Although it is better to call up your car insurance agent immediately while you are in the accident scene so that he will be the one to do the necessary tasks related to your car insurance claim, there are times when your agent will not be always available. Thus, knowing now what needs to be done can help you get things done the moment you will be in an accident in the future.

First and foremost, you may have to ask yourself whether you will need to file a car insurance claim for this accident or not. For some people, they will not file a claim against their car insurance policy if they can afford the repairs of damages themselves. Remember, each time you file a claims against your insurance policy will be put on record and thus, in the long run, you will not be able to avail of huge discounts brought about by no-claims bonuses since you won’t qualify for it already. But it is your choice since you have the right to file claims against your policy because you were paying for it from your hard earned income. You may have to weigh the pros and cons of filing claims for this certain accident. It pays to have a claims-free record for the huge discounts we can get in our insurance.

While in the accident scene, it is imperative that you get as many pictures as you can as well as details and notes about the people around the area and the other party’s contact and car details. Also, don’t leave the scene without the police report. These data will be vital in faster processing of your claims.

If you will have to make a car insurance claim, file it as soon as possible and make sure you always have your receipts and records related to the accident.

I am a new driver and in need of a car insurance policy in Hawaii. People say that I can find better and cheaper policies when I compare quotes. How do I get new driver car insurance quotes?

Cody

Honolulu Hawaii

To get your new driver car insurance quotes you can either talk to a car insurance agent or you can use the Internet.

By personally talking to a car insurance agent in Hawaii, you can ask questions regarding the nature of new driver car insurance and seek clarifications about matters that are confusing to you. It can also provide your car insurance agent the opportunity to ask specific questions to you that will help him find the right new driver car insurance quotes that actually fits your needs and budget. By being able to understand you much better, your car insurance agent can determine what you really need out of a car insurance policy. He might also be able to suggest to you options that can help you lower your car insurance costs as a new driver.

You can also get your new driver car insurance quotes through the Internet. In fact, more and more people are getting their car insurance policies through the Internet. You have several options on how to do this. You can go to the official web site of the car insurance provider that you have in mind, you can go to third party web sites that offer car insurance quotes in general, or you can go to niche car insurance web sites that specialize on new drivers.

If you go to insurance web sites that focuses on general car insurance, you might be quoted a higher insurance rate for just being a new driver. As we all know, car insurance companies will charge new drivers with higher premiums because of lack of driving experience. As for those niche insurance web sites, you will be provided recommendations as to how you can further lower your car insurance rates. No matter which web sites you will choose, make sure to compare the insurance quotes that you have gathered so that you can determine which one will offer you the insurance coverage you need at an appropriate price.

What is the importance of life insurance? What are the basic types of life insurance in Hawaii?

Suzanne

Honolulu HI

While anyone can expect to live for many years, nobody can really predict their own fate in the future nor can tell the events that will happen soon. Questions like: What would happen to your family in the event that you suddenly die? Could they still continue to live similar standards of living? Could they still keep the home that you have worked hard to provide them?

Life insurance in Hawaii is your family’s guarantee and a form of security that they can continue to live with dignity whatever might happen to you. Knowing the different types of it would help you decide the proper policy that will work for you. Just keep in mind that in selecting the right type of life insurance in Hawaii, you have to consider your needs and your budget as well.

There are two basic types of life insurance in Hawaii marketed by insurance companies today: term and permanent.

Term life insurance policy provides temporary coverage for a certain term like in 10, 15, 20 or 30 years. It is considered as pure insurance protection since after the policy expires, the insured has the option to renew at a higher premium level or totally end the policy. If in case policy holder dies during the term, the beneficiary will receive the death benefit. It does not accumulate savings. The death benefit will be the same as the amount mentioned in the policy. This is also generally much cheaper compare to a permanent policy.

Permanent life insurance policy is designed to provide lifelong coverage. The policy owner has to pay a fixed premium and in return the beneficiary will receive a fixed amount of death benefit. In addition to providing insurance, it also accumulates investment. The policy serves as an asset to the policy holder and coverage for the beneficiaries. The insured can make withdrawals as higher as the amount of premium. It is also possible to avail a loan against the amount of cash value after certain period of time. However, the policy will be terminated in the event that the amount of loan and the interest on the loan exceed the cash value of the policy.

What is this SR22 Hawaii? My friend needs one and I dont have an idea why she needs it. I just move here in Hawaii so Im quite confused.

Rea

Honolulu, HI

Well probably your friend has a suspended license. Her license may be suspended because of some serious traffic violations like drinking under the influence (DUI) or driving while intoxicated (DWI) offense. And she needs to get SR22 Hawaii insurance in order to have her license reinstated. However, do remember that there are other violations where a person needs to get SR22 insurance to reinstate his or her license.

An SR22 Hawaii insurance may be labeled as high risk auto insurance since this kind of auto insurance is normally asked for drivers with DUI or DWI offense. This must be issued by auto insurance company to the Hawaii Department of Motor Vehicles (DMV) to ensure said department that a person is meeting the required auto insurance coverage in your home state.

The rates for SR22 insurance varies however if this is the first time that your friend needs to get SR22 insurance she better prepare herself because she may be paying more as compared to what shes paying for her car insurance policy before her license is suspended. To give you an estimate it may double the amount of what she used to pay on her auto insurance bills. Just an advice, your best way to get affordable SR22 insurance quotes is to shop around for SR22 rates offered by different auto insurance companies.

You may be wondering, how long your friend needs to keep her SR22 insurance. In most cases, it is required for a period of three years./p
pMeanwhile, since you just moved in Hawaii, then you need to get a new auto insurance coverage from a licensed auto insurance provider in the state of Hawaii because your old car insurance coverage will not be acknowledged here.

What kind of penalty does an uninsured driver get in Hawaii?

Catherine

Honolulu, HI

In Hawaii, if you are caught driving without automotive insurance, you will be required to shell out for a monetary fine. Typically, this kind of violation involves heavy fines amounting to 1,000 dollars for first offense, around 3,000 dollars for the 2nd offense, and a higher amount for the subsequent offense. You may also face other penalties such as suspension of your driver’s license and you may even face imprisonment. Normally, you will be imprisoned if you get in an accident that causes grave damage to other parties involved. The jail time would depend on how severe the damage is and your history of violations in relation to the offense you just committed. You may contact your local DMV to know what types of penalties would likely be given to you for your latest offense.

The mandatory or minimum amount of insurance that a vehicle should have in Hawaii is 20,000 dollars per person, 40,000 dollars for the bodily injury, 10,000 dollars for the property damage, and 10,000 dollars for the personal injury protection. If you do not meet these minimum requirements for your automotive insurance, you will be forced to relinquish both your vehicle’s license plate and registration certificate, and be refrained from using the vehicle unless the proper insurance is secured.

Tags: DMV, driving without insurance

What should I do to find an affordable college student vehicle insurance deal here in Hawaii?

Carrie

Honolulu, HI

There are actually a lot of ways you can follow in order to find the best and affordable college student vehicle insurance there in Hawaii. You can get instant quotes online from vehicle insurance companies, and they offer this service for free. You can also check the yellow pages and contact accredited vehicle insurance companies. Consulting an independent vehicle insurance agent will also help you because they are experts on this subject, and it will save you the time of contacting several different vehicle insurance companies all by yourself.

Now, you just have to consider some things before seeking out the cheapest college student vehicle insurance. The costs of vehicle insurance vary from company to company and also because of a lot of different factors.

Having a good driving record is a plus because this shows that vehicle insurance companies may trust the driver not to make claims frequently. Remember that making claims is equal to the company losing money. Vehicle insurance companies are not really fond of clients who make claims very often. So, just imagine how numerous claims due to a lot of accidents or a DUI (driving under the influence) offense may affect the price of college student vehicle insurance.

Being related to military personnel may also make one eligible to a lot of discounts. Numerous vehicle insurance companies all over the country give lots of discounts to military men and their families out of sheer patriotism. Some just think that military men are good clients.

But the most important thing of all is to get good grades in school. This is actually the best and surest way to avail of discounts.

Tags: auto insurance online, cheap auto insurance, DUI, good driver insurance, military discount