HRS §431:10-237

How insurance policies are read

Read the official text at capitol.hawaii.gov ↗

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.

everyone

The statute, as written — Construction of policies

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.

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.

Read the official text at capitol.hawaii.gov ↗as published Jan 6, 2026our copy taken Aug 20, 2026

LawTrove is not legal advice. The summary above is a computer-generated restatement — the authoritative text is the official version linked above.