HRS §287-32
Combining insurance policies and using binders to meet car insurance rules
Read the official text at capitol.hawaii.gov ↗You can meet the car insurance requirements by combining policies from one or more insurance companies, as long as together they cover what is needed. A temporary insurance binder, issued while waiting for the actual policy, also counts as meeting the requirements.
The statute, as written — Combining policies and issuing binders to meet requirements
A copy, taken August 20, 2026. The version published by the Legislature is the one that governs, and it may have changed since. Check it before relying on anything here.
The requirements for a motor vehicle liability policy may be fulfilled by the policies of one or more insurance carriers which policies together meet such requirements. Any binder issued pending the issuance of a motor vehicle liability policy shall be deemed to fulfill the requirements for such a policy.
LawTrove is not legal advice. The summary above is a computer-generated restatement — the authoritative text is the official version linked above.