Driving Without Insurance Koolaupoko Hawaii HI
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 the first offence and up to $3000 for the 2nd offense. Other penalties may include imprisonment and suspension of your driver’s license. If the last violation was due to an accident the penalties are likely to be quite harsh.
As you know the mandatory amount of auto insurance on a vehicle 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 insurance on your car you are required to surrender the registration certificate and license plates and will not be able to drive the car.
To verify what penalties you are likely to get for your latest violation contact the number listed on your citation or even perhaps your local DMV.
Tags: auto insurance, car, driving without insurance
Expired Registration Ewa Hawaii HI
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 laws that indeed permit for a police officer to tow away a car if they find it without valid registration. Hawaii, and other states such as Texas, Utah, and New Jersey are just a few of these states that permit for the impounding of a car with expired registration.
I am not sure on specific information about how often cars are towed for this offense in Ewa, HI. For your state’s statistics regarding the impounding of cars you could contact your DMV or perhaps Highway Patrol. In most state or local laws it might not be mandatory towing but instead up to the discretion of the law enforcement officer. If that is the case it might be determined by if the law enforcement officer has the time to oversee the impoundment of the car or is called to an incident elsewhere if a vehicle is towed for the offense.
Tags: automobile, traffic violation
Auto Insurance Koolaupoko Hawaii HI
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 you that you should not remove a total loss car from your insurance policy until you are no longer using a rental car and your damaged car is no longer registered under your name. The car is usually no longer in your name at the end of the process of insurance settlement when you sign over the title to the insurance carrier and receive your check for the actual cash value (ACV) of the vehicle.
In many states, an insurance company will be able to remove the vehicle from your policy retroactive to the accident date when you are ready to take it off of your policy. You should discuss with your insurance provider at what point they would advise you to remove your coverages from the totaled car and if they can make the cancellation retroactive or not.
To know more about your total loss car or claims procedures you can speak with the insurance adjuster working your claim or you may try contacting the consumer division of the Hawaii Insurance Department.
Tags: automobile, car, car insurance, insurance
Car Insurance Hawaii HI
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 motorist (UM) and underinsured motorist (UIM) coverages to policyholders of auto insurance. You may buy a minimum of $20,000 per person of UM and/or UIM coverages. Uninsured motorist coverage will pay for serious injuries or death if the motorist at fault does not have insurance or in case of a hit and run accident. Underinsured motorist coverage pays if the motorist at fault does not have enough auto insurance.
UM and UIM insurance coverage advantages are in the added protection you get. This is different with bodily injury liability coverage which covers the other driver if you are at fault. Bodily injury liability insurance takes care of injuries to other party that you are responsible for, while uninsured and underinsured motorist pays for any serious injuries if the other party was uninsured or underinsured for your injuries.
Tags: autos, car, car insurance, insurance
Hawaii Good Driver Car Insurance Quote
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 AARP member.
Molly
Honolulu, HI
If you have had only 1 ticket within twenty years and have a good driving record besides that you should be in good standing to get cheap auto insurance. Having an older vehicle, the 1987 Honda Civic, can also assist you with your car insurance rates.
Some insurance companies can offer you a cheap car insurance quote if you will either contact them or go through online. You may enter your zip code on the box provided in this page to get a free quote in your area.
Make sure you mention your AARP membership, see if you quality for a safe driver discount or other discounts that may be available for you so that you can get quote the cheapest insurance for Hawaii AARP car insurance or elsewhere.
Auto Insurance SR22 Hawaii HI
Reader’s Question:
Is it true that now I will have to pay the full year premium in advance to restore the insurance just because my auto insurance was cancelled for non-payment? I live in Hawaii.
Pink
Honolulu, HI
It will depend upon the underwriting rules of the insurance provider in Hawaii you are trying to get insurance with if you will be required to pay in full for your next car insurance policy.
Additionally, it matters if the state requires you to file a financial requirement filing. Most states require a six month paid in full if you have permitted your insurance to lapse. This is called an SR22s in most states.
Another factors that will likely play a part in the decision of an Hawaii insurance carrier and if you will have to pay for a full year’s policy in advance would be the length of time of your insurance lapse after your cancellation due to non-payment and if there were any losses since the cancellation date. For instance, some insurance company will usually reinstate a policy that has cancelled because of non-payment – as long as the lapse in coverage has been less than thirty days, and there have been no losses.
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