Hawaii Car Accident Settlement Calculator

Hawaii gives you 2 years from the date of the incident to file a lawsuit, which is in line with the national average of 2.8 years. This is a standard timeframe, but acting sooner preserves evidence and strengthens your position. Hawaii applies a discovery rule, meaning the clock may start when you discover (or should have discovered) the injury rather than when the incident occurred.

Hawaii's no-fault insurance system changes how car accident claims work fundamentally. Instead of filing a claim against the at-fault driver, you first seek compensation through your own PIP coverage. To move beyond PIP and sue the other driver, your injuries must meet Hawaii's serious injury threshold. Understanding this threshold is critical for evaluating whether your Hawaii car accident case can proceed as a lawsuit or must be resolved through your PIP policy.

Hawaii requires all drivers to carry minimum liability insurance of $40K per person / $80K per accident in bodily injury coverage and $20K in property damage coverage (commonly written as 40/80/20). These minimums are above the national average, providing somewhat better baseline protection for accident victims. Hawaii also requires uninsured motorist (UM) coverage of at least $40K per person, which protects you if the at-fault driver has no insurance. As a no-fault state, Hawaii also mandates personal injury protection (PIP) coverage of at least $10K.