Hawaii No-Fault Accidents

If you or a loved one suffers an injury in a Hawaii car accident, your no-fault insurance generally covers medical expenses involved with injury and property damages. However, when serious injuries occur, insurance may not be adequate to cover your expenses. Cronin, Fried, Sekiya, Kekina & Fairbanks, Attorneys at Law can help clients involved in serious auto accidents assess their damages and discuss the possibility of pursuing a lawsuit.

How no-fault insurance works in Hawaii

No-fault insurance covers injuries and property damage without regard to who is at fault for an accident. The insurance covers damages based on policy limits. Under Hawaii law, people must carry $10,000 minimum personal injury protection for the driver and passengers, which pays for medical and rehabilitation costs. Other mandatory coverage is $20,000 per person or $40,000 per accident for bodily injury liability and $10,000 for property damage liability when you are at fault for causing an accident that injures someone else.

How insurance companies determine fault in an accident

Hawaii bases fault on comparative negligence law when evaluating auto accidents or any case involving personal injury. This means that the insurance company investigates the accident, including all the cars and drivers involved, and determines the underlying accident causes. It assigns a percentage of negligence to each party involved. When parties sue other parties claiming they were at fault, the parties suing cannot be more than 51 percent at fault in contributing to their own injuries. You have no legal right to compensation through a lawsuit when you are 51 percent or more at fault. Also, if you are less than 51 percent at fault, your ability to recover damages is reduced by the percentage of fault assigned to you.

Before speaking with an insurance agent about car accidents or motorcycle accidents, it is generally wise to consult with an attorney so you can understand your rights and receive help with negotiating a settlement.

Seek legal guidance from a prestigious injury law firm

If you or a loved one suffers injury in an auto accident, please contact Cronin, Fried, Sekiya, Kekina & Fairbanks, Attorneys at Law for a free initial consultation. Our attorneys have extensive experience dealing with all types of accident and injury cases. We take cases based on contingency, which means you owe no fees unless we are successful in recovering compensation through settlement or verdict.