HRS §431:10-237
How insurance policies are read
This section says that an insurance policy is read as a whole, using all its terms and conditions. Any attached riders, endorsements, or applications are part of the policy and can change what it covers. It is a narrow rule about how to interpret insurance contracts.
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The statute, as written — Construction of policies
Every insurance contract shall be construed according to the entirety of its terms and conditions as set forth in the policy, and as amplified, extended, restricted, or modified by any rider, endorsement or application attached to and made a part of the policy.
LawTrove is not legal advice. The summary above is a computer-generated restatement — the authoritative text is the official version linked above.