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A car accident can ruin your beach vacation

When you plan a trip to Hawai’i, you think about sandy beaches, colorful drinks and the amazing memories you’ll make during your stay. Rarely do you anticipate the possibility of a car accident ruining your dream vacation.

Unfortunately, Honolulu is one of the worst cities in the United States for traffic, and driving without rental insurance can put you in a risky position during a mild or serious accident. Understanding how Hawai’i compensates car accidents for residents and tourists can assure your dream vacation goes smoothly.

Hawai’i is a “no fault” state

Hawai’i is classified as a “no fault” state, which means car accident claims are filed and processed through your car insurance first and your car insurance covers personal injury and property damage claims, up to your policy limit, regardless of fault. However, a driver can put a claim against you if they had severe and permanent injuries.

Being in a “no fault” state puts you at risk if you are not covered by car insurance and makes it difficult for you to receive fair compensation for injuries or damages. It can be worst if the other party is less at fault because they could claims for modified comparative negligence.

There is a statute of limitations, or a time limit, where someone can seek damages from a car accident. Hawai’i has a two year frame for bringing the claims to court after an accident. The system is complex, so ask an insurance provider or rental service about what you need to stay protected on the roads.

Car accidents happen, even on vacation

If you experience a car accident while on vacation, you follow the same procedure you would in your state. You exchange contact information, take photos of the damage and contact your insurance company.

What is different is you need to contact the rental company before the insurance company. You should inform the rental service as soon as possible and ask the company how to proceed – this would be a great time to read over your insurance plan and any insurance provided by the rental company.

Then, let you insurance company know about the accident and they will ask the usual questions for a claim. Make sure to answer all their questions as thoroughly as possible and follow up with any questions of your own. Be sure to inform you insurance company about any rental insurance you purchased for the trip.

Move on and enjoy the beach

An accident can be stressful and might even ruin your whole day. However, if you followed proper procedures for reporting the accident, you should move on and enjoy the rest of your vacation. There will be time for paperwork and discussions after your vacation ends.

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