Reader’s Question: Good day from sunny Honolulu! We are thinking of selling a car because the cost each car is out of control. How do we get the cheapest car insurance?Thanks, Miguel Honolulu HI That sun sounds good, Miguel, The rest of the good news is that there are things under your control that will [...]

  Reader’s Question: A kid ran in front of my automobile and I hit her. She was not injured and my car was not damaged. The mother of the little girl said sorry. I did not feel the need to exchange information since there was no harm done to both parties. The mother called the [...]

Reader’s Question: I was hit by a vehicle at a stop sign but it was the other driver’s fault. I do not have auto insurance. Will the other driver’s auto insurance pay for the damages? Tim Honolulu, HI Yes, typically. You have to report this loss to the other driver’s insurance carrier. A licensed claims [...]

  Reader’s Question: Will my car insurance policy number be the same if I have more than one vehicle in North Kona? Bill North Kona, HI Yes, if all of the vehicles are on the same car insurance policy then even though there are multiple vehicles there will be only one auto insurance policy number. [...]

Reader’s Question: What happens when my vehicle windscreen gets broken and the stereo and other personal items inside my car gets stolen in Honolulu. Is this still be under my car insurance policy? Frank Honolulu, HI The broken windscreen or windshield in your vehicle would normally be covered by comprehensive insurance policy though the personal [...]

  Reader’s Question:   How long does a DUI remain on your driving record and impact your auto insurance rates in Pearl City Hawaii? I got a DUI about 6 years ago and my insurance rates never went up. I’m now planning on moving and obtaining new insurance. Will I my new insurance be affected [...]

Reader’s Question: What is the first thing to do after I get my first moving ticket in Pearl City Hawaii? Marx Pearl City, HI After receiving a traffic ticket in Pearl City Hawaii you will need to follow the instructions on the citation that you receive, which might include contacting the traffic court. By contacting [...]

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: 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 [...]