Who Pays for My Medical Bills if I’m in a Car Accident
Hawaii is a no-fault state for car accidents. But that may not mean what you think. No fault doesn’t mean you cant make a claim against an at fault driver. In Hawaii it mostly just means that no matter whose fault it is, the insurance for the car you are in must pay for your medical bills.
That means, whether you were the passenger or the driver, or even if you were the at fault driver, and, whether or not you own the car, that car’s insurance must pay for your medical bills up to $10,000.
The $10,000 coverage for medical bills is called Personal Injury Protection insurance, or PIP. Hawaii law requires all cars to have PIP coverage of at least $10,000 in case of injury from an accident.
PIP coverage also pays for medical bills for pedestrians, bicyclists and moped riders involved in car accidents.
That means that no matter whose fault it is, the insurance on the car involved in the accident must pay for the injured pedestrian, bicyclist and moped riders medical bills.
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