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Innovative Insurance Resources

615 Piikoi St, Suite 1717
Honolulu, HI 96814

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Why basic auto coverage isn’t always the right choice

Basic auto insurance is legally required by the state where you reside. However, it is not the same in every state. For instance, Hawaii is a no-fault state, meaning your insurance will pay for any injuries you sustain. At Innovative Insurance Resources in Honolulu, HI, we will discuss the importance of auto insurance with you and assist you in determining the right coverage for your needs.

In Hawaii, auto insurance must provide a minimum of $10,000 per person in personal injury coverage for you and any passengers in your vehicle. It must also include liability insurance coverage of $20,000 per person, totaling $40,000 for all injuries. Additionally, a minimum of $10,000 in coverage for property damage is mandatory.

These requirements ensure adequate coverage for other drivers and their vehicles in the event of an accident. But what about your car? If you are leasing your car or have an auto loan, you are required to have both collision and comprehensive coverage to protect your vehicle.

If you own an older vehicle with little market value or are financially capable of repairing or replacing your vehicle yourself, you might not need to carry this insurance. However, if, like most people, you rely on your vehicle for daily commute and other daily activities, then you must also consider ensuring your vehicle is adequately insured.

Collision Coverage

Collision coverage is designed to protect your vehicle from damage resulting from an accident you are responsible for or if a hit-and-run driver damages your vehicle.

Comprehensive Coverage

Comprehensive coverage insures your vehicle against damages that are beyond your control. This coverage also includes protection for your vehicle’s glass, offering repair or replacement services for your windshield.

Contact Innovative Insurance Resources in Honolulu, HI for all your auto insurance needs.

Partner Carriers

  • Crum & Forster
  • First Insurance Company of Hawaii
  • HDS
  • Island Insurance Co.
  • Kaiser
  • Pacific Guardian Life
  • UHA