HRS §431:10-220
Insurance policy must include the whole contract
An insurance policy must contain the entire agreement between you and the insurer. Any side deal that changes the policy is not valid unless it is in writing and part of the policy. Insurers cannot make promises that are not clearly written in the policy.
The statute, as written — Policy must contain entire contract
(a) No agreement in conflict with, modifying, or extending any contract of insurance shall be valid unless in writing and made a part of the policy. (b) No insurer or its representatives shall make any insurance contract or agreement relative thereto that is not plainly expressed in the policy. (c) The requirements of this section shall not apply to the granting of additional benefits to all policyholders of the insurer, or a class or classes of them, which do not require increases in premium rates or reduction or restrictions of coverage.
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