Restricted License Insurance — Hawaii

Pays for injuries you cause to others in an at-fault accident. Medical costs at Queen's Medical Center or Straub Medical Center routinely surpass state minimums before the patient leaves the ER. Carriers writing high-risk policies in Hawaii often require 50/100 minimums to issue coverage.

Covers damage you cause to another vehicle or property. Island-specific risks include salt air corrosion damage and agricultural equipment on rural Maui and Big Island roads, both of which generate property claims above state minimums.

Pays your own medical bills and lost wages regardless of fault under Hawaii's no-fault system. PIP rejection must be made in writing at policy inception — verbal rejection doesn't count, and coverage is added automatically if the form isn't completed before the policy effective date.

Hawaii courts and the District Court Traffic Violations Bureau require SR-22 filing after DUI, reckless driving, accumulating 12+ points in 12 months, or driving uninsured. The SR-22 itself is a filing — your carrier electronically transmits proof of continuous coverage to the state. Any lapse triggers automatic license re-suspension, and the 3-year filing clock resets from the lapse date, not the original conviction date.

Hawaii courts mandate IID installation for DUI-related restricted licenses, typically for 6 months to 2 years depending on offense count and BAC level. The device prevents engine start if breath alcohol is detected. Some carriers offer IID-specific policy endorsements covering device damage or malfunction — standard comprehensive coverage often excludes aftermarket devices.