HI
Hawaii Insurance Regulations
Consumer rights and insurance laws in Hawaii
Overview
Hawaii's Insurance Division oversees insurance regulation within the Department of Commerce and Consumer Affairs. Hawaii is a no-fault PIP state, requiring personal injury protection coverage on all auto policies.
Key Insurance Regulations in Hawaii
- Modified comparative fault — barred at 51% or more fault
- 2-year statute of limitations for personal injury and property damage
- No-fault PIP state — PIP coverage required
- Mandatory auto insurance: 20/40/10 minimum liability
Filing an Insurance Complaint in Hawaii
If you believe your insurance company has acted unfairly or violated Hawaii insurance laws, you can file a complaint with the Hawaii Insurance Division. The department investigates consumer complaints and can take enforcement action against insurers that violate state regulations.
Before filing a complaint, make sure you have documented all communication with your insurance company, including claim numbers, dates, and the names of representatives you've spoken with. The Hawaii Insurance Division typically responds to complaints within 30 days.
Hawaii Insurance Division
Insurance Commissioner: Gordon Ito
Phone: (808) 586-2790
Website: https://cca.hawaii.gov/ins/
File a Complaint: Consumer Complaint Portal
Insurance Claim Guides for Hawaii
Browse our detailed insurance claim guides tailored specifically to Hawaii laws and regulations.
Auto Insurance Claims in HawaiiHome Insurance Claims in HawaiiHealth Insurance Appeals in HawaiiInsurance Denial Letter Templates in HawaiiDemand Letter Guide in HawaiiInsurance Settlement Calculator Guide in HawaiiDiminished Value Claims in HawaiiTotal Loss Dispute Guide in HawaiiBad Faith Insurance Claims in HawaiiUnderinsured Motorist Claims in HawaiiUninsured Motorist Claims in HawaiiRental Car Insurance Coverage in HawaiiGAP Insurance Claims in HawaiiInsurance Subrogation Explained in HawaiiPIP (Personal Injury Protection) Guide in HawaiiBodily Injury Claims in HawaiiProperty Damage Claims in HawaiiLiability Claim Process in HawaiiComprehensive Insurance Claims in HawaiiCollision Insurance Claims in HawaiiFlood Insurance Claims in HawaiiFire Insurance Claims in HawaiiTheft Insurance Claims in HawaiiVandalism Insurance Claims in HawaiiAuto Glass Insurance Claims in HawaiiHail Damage Insurance Claims in HawaiiWind Damage Insurance Claims in HawaiiWater Damage Insurance Claims in HawaiiMold Insurance Claims in HawaiiRoof Damage Insurance Claims in HawaiiFoundation Damage Claims in HawaiiSinkhole Insurance Claims in HawaiiEarthquake Insurance Guide in HawaiiHurricane Insurance Claims in HawaiiTornado Damage Insurance Claims in HawaiiLightning Damage Insurance Claims in HawaiiTree Damage Insurance Claims in HawaiiFence Damage Insurance Claims in HawaiiAppliance Breakdown Claims in HawaiiIdentity Theft Insurance Claims in HawaiiCyber Insurance Claims in HawaiiPet Insurance Claims in HawaiiTravel Insurance Claims in HawaiiLife Insurance Disputes in HawaiiDisability Insurance Claims in HawaiiWorkers' Compensation Claims in HawaiiLong-Term Care Insurance Claims in HawaiiDental Insurance Appeals in HawaiiVision Insurance Claims in HawaiiPrescription Drug Appeals in HawaiiAccident Scene Documentation in HawaiiInsurance Adjuster Tactics in HawaiiDiminished Value Calculator Guide in HawaiiTotal Loss Vehicle Valuation in HawaiiPain and Suffering Calculation in HawaiiMedical Bills in Auto Claims in HawaiiLost Wages Insurance Claims in HawaiiFiling a Bad Faith Insurance Lawsuit in HawaiiWhen to Hire a Car Accident Lawyer in HawaiiInsurance Claim Timeline Guide in HawaiiIndependent Vehicle Appraisal Guide in HawaiiAppraisal Clause in Auto Insurance in HawaiiDiminished Value by State in HawaiiTotal Loss Threshold by State in HawaiiRental Car After an Accident in HawaiiYour Rights During Car Repairs in HawaiiOEM Parts in Insurance Claims in HawaiiInsurance Negotiation Tactics in HawaiiDemand Package for Auto Claims in HawaiiCommon Insurance Claim Denial Reasons in HawaiiStatute of Limitations for Auto Claims in HawaiiFiling Claims in No-Fault States in HawaiiAt-Fault Accident Claims in HawaiiComparative Negligence in Claims in HawaiiUninsured Motorist Property Damage in HawaiiHit and Run Insurance Claims in HawaiiParking Lot Accident Claims in HawaiiRideshare Accident Insurance Claims in HawaiiCommercial Vehicle Accident Claims in HawaiiDeer Collision Insurance Claims in HawaiiFlood Car Damage Claims in HawaiiCatalytic Converter Theft Claims in HawaiiCar Break-In Insurance Claims in HawaiiTire Blowout Accident Claims in HawaiiPothole Damage Insurance Claims in HawaiiHail Damage Car Claims in HawaiiHow to Review Your Auto Insurance Policy in HawaiiAuto Insurance Coverage Gaps in HawaiiMulti-Vehicle Accident Claims in HawaiiDisputing Fault Determination in HawaiiFiling an Insurance Commissioner Complaint in HawaiiNegotiating Diminished Value Claims in HawaiiFighting a Total Loss Declaration in HawaiiBodily Injury Settlement Guide in HawaiiInsurance Fraud Prevention Guide in HawaiiSubstandard Auto Repair Claims in HawaiiTotal Loss Buy-Back Process in HawaiiInsurance Claims After a DUI in HawaiiCommercial Auto Insurance Claims in HawaiiStorage Unit Insurance Claims in Hawaii
Other State Insurance Regulations
AL — AlabamaAK — AlaskaAZ — ArizonaAR — ArkansasCA — CaliforniaCO — ColoradoCT — ConnecticutDE — DelawareDC — District of ColumbiaFL — FloridaGA — GeorgiaID — IdahoIL — IllinoisIN — IndianaIA — IowaKS — KansasKY — KentuckyLA — LouisianaME — MaineMD — MarylandMA — MassachusettsMI — MichiganMN — MinnesotaMS — MississippiMO — MissouriMT — MontanaNE — NebraskaNV — NevadaNH — New HampshireNJ — New JerseyNM — New MexicoNY — New YorkNC — North CarolinaND — North DakotaOH — OhioOK — OklahomaOR — OregonPA — PennsylvaniaRI — Rhode IslandSC — South CarolinaSD — South DakotaTN — TennesseeTX — TexasUT — UtahVT — VermontVA — VirginiaWA — WashingtonWV — West VirginiaWI — WisconsinWY — Wyoming
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