Hawaii Car Insurance Requirements

Insurance coverage is not part and parcel of your Hawaii car rental rate.The car rental companies instead offer protection plans that are differ somewhat from the conventional insurance plans offered by standard insurance companies. The plans offered by the rental companies are very expensive when compared with your automobile insurance per dium at home. We suggest that you try to provide your own coverage through a third party for reasons of cost and you will know in advance what level of liability coverage you will have. The rental companies protection plans offered are similar though they vary slightly in price and coverage. Not all plans are available at all the car rental companies.When you go to pick up your rental the location will offer you various types of protection plans. These are optional services that you do not need to agree to in order to rent the vehicle. You may decline their offers by initialing your rejection on your contract.Hawaii Car Insurance Requirements/LimitsBodily Injury & Property Damage Liability: Minimum coverage limits by law are: $20,000 per person injured in any one accident and, $40,000 for all persons injured in any one accident; $10,000 for injury to or destruction of property of others in any one accident.Car Rental Company Protection PlansLoss Damage Waiver (LDW/CDW) – The rental company agrees to waive claims in regards to vehicle damage or loss as long as you have not violated the rental agreement. Generally the rates for the Loss Damage Waiver plan ranges from $20 to $30 per day depending on the limits of coverage included in the plan. Liability Insurance (SLI/ALI) – This plan limits your liability in regards to third party injury or property damage claims. Rates vary around the $12 to $15 per day and again the amount of coverage varies between companies. Uninsured/Underinsured Motorist Protection – This covers you in the event that you get hit by someone who doesn’t have the necessary insurance coverage on their vehicle. This plan is often bundled with the Personal Protection Plan. Personal Protection/ Accident Plan - Provides certain medical, death and dismemberment benefits to the driver and passengers in your rental car and certain benefits for loss or damage to many of personal effects your whether you're in or out of your rental vehicle. Rates are around $5 per dayThird Party Sources for Car Rental InsuranceYour current automobile insurance coverage may already cover rental vehicles when they are driven by you. Because the limits of the coverage are those stated in your policy please check with your insurance supplier. If rental vehicles are not covered they may have add-on plans covering rental vehicles or may offer general travel insurance plans covering all sorts of liabilities encountered while traveling. Many credit cards include some liability insurance coverage for rental cars when the card is used to pay for the rental. Check with your credit card supplier to find the coverage provided. Many Automobile Clubs offer travel coverage plans as well.