Understanding Hawai'i's No-Fault InsuranceHawai'i law mandates that all drivers carry Personal Injury Protection (PIP) coverage. If you drive without proper insurance identification in your car, you'll face tickets and fines under state law [1]. Under Hawaii Revised Statutes Sect ...

Natural Risks in Hawai'iOwning a home in Hawai'i means living with natural hazards. Floods in Hilo, hurricanes on Oahu, and earthquakes on Hawai'i Island remind us that disasters can strike at any time and at any place in the state. Standard homeowners insurance does not cover th ...

A Honolulu condo owner spent $15,000 renovating her kitchen. When a pipe burst in the unit above and destroyed everything, she assumed her AOAO's insurance would cover it. It didn't. The master policy only covered the building structure, and she had never purchased personal condo ...

A Hilo man built his auto repair shop from nothing to profitability through ten years of hard work, cultivating a base of loyal customers and achieving steady growth. He carried business insurance and thought he had everything protected. Then in 2018, Hurricane Lane brought flood ...

A local business owner thought she had her Kalihi bakery covered. Full business insurance, paid monthly, never missed a premium. Then an electrical power surge at 2 a.m. short circuited her commercial oven and walk-in cooler, spoiling all the pre-sold cakes and other perishable i ...

Property damage hits Hawai'i residents every year in countless ways: strong winds damage roofs, flash floods inundate garages, aging pipes burst and flood apartments, or trees crash through windows during storms. Filing your claim properly and knowing your coverage limits saves t ...