State statute · Hawaii

Hawaii Revised Statutes chapter 431 (Insurance Code), Article 10C, 101 of 108 listed sections: Motor Vehicle Insurance

Publisher: Hawaii State Legislature
Edition: HRS current per capitol.hawaii.gov on 2026-09-29
Last checked: 2026-09-29
Status: Hawaii Revised Statutes, public domain

Edition and licensing notes

Publisher. Hawaii State Legislature (capitol.hawaii.gov); text as captured by the Internet Archive and verified against the live official page

Edition. HRS current per capitol.hawaii.gov on 2026-09-29 (Vol09_Ch0431-0435H)

Status. Hawaii Revised Statutes, public domain (state government edict).

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What this document is

Hawaii Revised Statutes chapter 431 (Insurance Code), Article 10C - Motor Vehicle Insurance (101 of 108 listed sections) is a state statute published by Hawaii State Legislature (capitol.hawaii.gov); text as captured by the Internet Archive and verified against the live official page. It is one of the Hawaii documents that insurance license exam questions are written from, including hawaii property & casualty, hawaii personal lines practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

Haw. Rev. Stat. § 431:10C-111(a) (When an insurer may cancel or refuse to renew)
“(a) An insurer may not cancel or refuse to renew a motor vehicle insurance policy, including optional additional insurance under the requirements of section 431:10C-302, once issued except when:”
Haw. Rev. Stat. § 431:10C-305(d)(2) (Persons not eligible for PIP benefits: criminal conduct)
“(d) The following persons are not eligible to receive payment of personal injury protection benefits: (1) Occupants of a motor vehicle other than the insured motor vehicle; (2) Operator or user of a motor vehicle engaging in criminal conduct which causes any loss; or”
Haw. Rev. Stat. § 431:10C-306(b)(4) (Tort exception based on benefits incurred)
“(4) Injury occurs to the person in a motor vehicle accident and as a result of such injury that the personal injury protection benefits incurred by such person equal or exceed $5,000; provided that in calculating this amount:”
Haw. Rev. Stat. § 431:10C-102(b) (Treatment of uninsured drivers and of persons unable to afford insurance)
“(b) To effectuate this system of motor vehicle insurance and to encourage participation by all drivers in the motor vehicle insurance system: (1) Those uninsured drivers who try to obtain the privilege of driving a motor vehicle without the concomitant responsibility of an ability to compensate...”
Haw. Rev. Stat. § 431:10C-208 (Increase in premiums prohibited)
“No premium on any motor vehicle insurance policy shall be increased as a result of any accident if the insured is not at fault in the accident. An accident in which the insured was not at fault shall not be used in any way to affect any subsequent increases, including loss of any discounts, in insurance premiums.”
Haw. Rev. Stat. § 431:10C-805(a) (Right of recovery for excluded liability claims)
“(a) A motor vehicle insurer that defends or indemnifies a liability claim against a shared car owner or shared car driver that is excluded under the terms of the shared car owner's or shared car driver's policy shall have a right to seek to recover from the peer-to-peer car-sharing program or its...”
HRS § 431:10C-305(c)(1) (Source of payment)
“If a temporary substitute vehicle is made available to a customer by an auto repair shop registered with the motor vehicle repair industry board or a motor vehicle dealer licensed by the motor vehicle industry licensing board, while the shop or dealer repairs or services the customer's insured...”
Haw. Rev. Stat. § 431:10C-104(b) (Owner must obtain and maintain a policy for the registration period)
“(b) Every owner of a motor vehicle used or operated at any time upon any public street, road, or highway of this State shall obtain a motor vehicle insurance policy upon such vehicle which provides the coverage required by this article and shall maintain the motor vehicle insurance policy at all...”
Haw. Rev. Stat. § 431:10C-306(f) (Tort liability for property damage not abolished)
“(f) No provision of this section shall be construed to abolish tort liability with respect to property damage arising from motor vehicle accidents.”
Haw. Rev. Stat. § 431:10C-111(c) (Burden of proof rests with the insurer)
“If an insured alleges that the insurer's refusal to continue the motor vehicle insurance policy is based solely upon the insured's race, creed, ethnic extraction, age, sex, length of driving experience, marital status, residence, physical handicap, or because the insured has elected to obtain any...”
Haw. Rev. Stat. § 431:10C-118(a) and (b) (Fee in lieu of fine)
“(a) Any person bringing an action in tort under this article who was uninsured at the time of the accident shall pay a fee of $1,000 in lieu of any fine which could have been levied as a criminal penalty for failing to obtain the motor vehicle insurance coverage required by this article. (b) The...”
Haw. Rev. Stat. § 431:10C-111(e) (Refund of unearned premium after cancellation)
“(e) Within fifteen days of a cancellation and the return of the motor vehicle insurance identification card or a signed affidavit stating the card was lost or stolen, the insurer shall refund the pro rata unearned portion, if any, of any prepaid premiums.”

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