No Fault Insurance System
In Hawaii, because of the no fault system, the injured person is going to be dealing with at least two insurance companies, and a lot of people don’t understand that. Initially, they are going to be dealing with their own insurance company, and their no fault coverage is going to pay for their medical bills. If they are severely injured, at a later point, they are going to be dealing with the other person’s company or the bodily injury insurance policy. If the person that caused the accident doesn’t have insurance, then we are going to be dealing with underinsured motorist coverage and that will be under their own policy. Or, if the person that caused the accident does not have enough insurance, then we are going to be dealing with underinsured motorist coverage. Because of all the complications involving insurance, we feel it is very important for seriously injured people to call us right away, talk to us, so at least we can explain to them their rights, the process, and how the system works.
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