Skip to main content

Uninsured and underinsured motorist coverage

Uninsured motorist coverage is financial protection purchased from your own insurance company to compensate you or your family if you are injured in a vehicle accident by someone who has no insurance. Hawaii law requires your insurance company to offer you uninsured motorist coverage in the same amount as the liability limits of your automobile insurance.

Underinsured motorist coverage is financial protection purchased from your own insurance company to compensate your or your family if you are injured in a vehicle accident caused by someone who does not have enough insurance. Hawaii law requires your insurance company to offer you underinsured motorist coverage in the same amount as the liability limits of your automobile insurance.

Unfortunately, when you are injured by an uninsured or underinsured driver, many insurance companies begin to treat their own customers as their enemy. These same companies that eagerly sold their promise to compensate their customers for injuries caused by uninsured or underinsured drivers, delay, deny and refuse to pay the claims of their customers. These multi-billion dollar insurance companies hire sharp, aggressive lawyers to try to hold onto the insurance company’s money.

Leavitt, Yamane & Soldner has a long track record of successfully forcing insurance companies to honor their promises and pay uninsured and underinsured motorist claims to their customers.

Uninsured and underinsured motorist FAQ

Uninsured / Underinsured Motorist (UM/UIM) coverage

Over the years, many of our clients have come to us with questions about accidents involving drivers without uninsured or underinsured motorist coverage. For your convenience, below we answer some of the most frequently asked questions about uninsured motorists in Honolulu and how this insurance coverage affects you if you’ve been in an auto accident.

If you have any other questions or simply need more clarification on uninsured or underinsured motorist coverage, our Honolulu personal injury lawyers would be glad to review your case and offer you more solutions.

Do I really need uninsured or underinsured motorist coverage?

Yes. Statistics that show that one in four drivers in Hawaii is an uninsured motorist, and uninsured or underinsured motorist coverage financially protects you from the injuries they cause. Underinsured motorist coverage protects you if a driver does not have enough insurance to compensate you for your injuries. Drivers in Hawaii are generally only required to have $20,000 of insurance to compensate injured people. Too often, $20,000 is not enough to even cover emergency treatment, let alone the full medical expenses, lost wages and compensation for pain and suffering, disability, and loss of enjoyment of life.

What is “stacked” Hawaii uninsured motorist coverage or underinsured motorist coverage and how does it work?

Many Hawaii drivers and families have two or more vehicles within their household. “Stacked” coverage allows the injured person to “stack” all the uninsured or underinsured motorist coverage on top of each other to provide additional compensation for those who are seriously injured. You can get more insurance protection for a few more dollars every year by selecting the “stacking” option on your vehicle insurance. Another benefit to stacked coverage is that any family member in your household is also included in your available benefits. In the event of an accident, you and your family have access to all of the stacked uninsured or underinsured motorist coverage within your family household.

Do I need to be in my car to get Hawaii uninsured or underinsured motorist coverage benefits?

No. If you are injured by a motor vehicle, it doesn’t matter if you’ve been injured as a pedestrian, bicyclist, or passenger in someone else’s car. Uninsured and underinsured motorist coverage is “personal and portable.” That means your protection coverage is available to you, and your family members who reside with you, whenever you are injured in a motor vehicle accident.

How much Hawaii uninsured motorist coverage should I get?

Your insurance company is required to offer you uninsured and underinsured motorist coverage in an amount equal to that of your bodily injury liability coverage (the insurance that covers you if you injure someone else). Higher limits of uninsured and underinsured motorist coverage are usually inexpensive, so we recommend purchasing the maximum amount of “stacked” uninsured and underinsured motorist coverage available.

How do I find out if I have Hawaii uninsured motorist coverage?

Your insurance company is required to offer you this coverage, and it is in your best interest to obtain such a policy. We’ve seen firsthand what can happen to individuals who don’t have uninsured or underinsured motorist coverage, so we urge you to call your insurance agent to confirm that you have the maximum amount of stacked uninsured and underinsured motorist coverage.

Will my rates increase if I make a claim for uninsured or underinsured motorist coverage benefits?

No. Uninsured and underinsured motorist coverage is considered “optional additional coverage.” Under Hawaii law, an insurer may not raise insurance rates if an insured makes a claim against “optional additional coverage.”

If I have “full coverage” does it mean I also have uninsured or underinsured motorist coverage?

“Full coverage” is a vague term. In our experience, many people who have what they call “full coverage” do NOT have uninsured or underinsured motorist coverage. We recommend calling your insurance agent to find out if you have this coverage. If you don’t, tell your insurance company or agent that you want the maximum stacked uninsured and underinsured motorist coverage available.

What is uninsured motorist/underinsured motorist coverage?

Uninsured motorist coverage is financial protection purchased from your own insurance company to compensate you or your family if you are injured in a vehicle accident by someone who has no insurance. Hawaii law requires your insurance company to offer you uninsured motorist coverage in the same amount as the liability limits of your automobile insurance.

Underinsured motorist coverage is financial protection purchased from your own insurance company to compensate your or your family if you are injured in a vehicle accident caused by someone who does not have enough insurance. Hawaii law requires your insurance company to offer you underinsured motorist coverage in the same amount as the liability limits of your automobile insurance.

Does everyone have Uninsured and Underinsured Motorist Coverage?

You are not required to purchase uninsured or underinsured motorist coverage. However, your insurance company is required to offer uninsured and underinsured motorist insurance in the amount of your bodily injury policy limit. We recommend that you select the maximum “stacked” uninsured and underinsured motorist coverage available. This coverage must be purchased before you are involved in an accident, so we recommend checking your policy right away and/or telling your insurance agent that you want the maximum stacked coverage for uninsured and underinsured motorist insurance. An experienced attorney at Leavitt, Yamane & Soldner can assist you in reviewing your insurance policies and determining whether your accident losses are covered by uninsured or underinsured motorist coverage.

Should I buy Uninsured Motorist or Underinsured Motorist Coverage?

YES! Drivers in Hawaii are generally only required to have $20,000 of insurance to compensate injured people. Too often, $20,000 is not enough to even cover emergency treatment, let alone the full medical expenses, lost wages and compensation for pain and suffering, disability, and loss of enjoyment of life. Every driver in Hawaii should purchase uninsured and underinsured motorist coverage in the maximum amount available with the “stacked” option. It is relatively inexpensive and can provide much-needed financial protection when injured by an uninsured or underinsured driver.

 


Read more about car accidents

Call Now. We’re Here To Help.

If you need an accident lawyer in Hawaii, let us help. It starts with a phone call or an email. There is no cost. We are paid only if we recover money for you. Fill out the form or call us at

808-537-2525

24 hours a day, 7 days a week.

Are you a new client?
This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.