Reader’s Question: What is the law for Hawaii no insurance and if it is your 1st or 2nd offense in Koolaupoko? Am I going to jail? My 3rd offense was an accident. Uma Koolaupoko, HI Driving without insurance in Koolaupoko and in any part of Hawaii typically results in heavy fines such as $1000 for [...]

Reader’s Question: Recently I was stopped by the police officer in Ewa, Hawaii for an expired registration. My car was towed and I was given a ticket. I would like to know how often is it that the police officers will tow your vehicle for an expired registration? Jeff Ewa, HI There are some state [...]

Reader’s Question: I live in Koolaupoko, HI and have just been recently involved in a car accident. I think the vehicle will be declared a total loss but I would like to know is, how soon can I remove the total loss car from my insurance policy? Pam Koolaupoko, HI Most insurance carriers will advise [...]

Reader’s Question: What are the advantages of purchasing Uninsured Motorist and Underinsured Motorist coverage in Hawaii? I live in Ewa, HI. Mark Ewa, HI The minimum mandatory insurance coverage in Hawaii includes bodily injury liability of $20,000 up to $40,000 per accident and a $10,000 per property damage liability. Hawaii insurance companies also offer uninsured [...]

Reader’s Question: I am a divorced 59 year old lady. I have had 1 ticket within at least 20 years and I have a very low income. My daughter just gave me a 1987 Honda civic. I am currently unemployment and looking for job.What is the most affordable insurance I can get.? I am an [...]