HRS §431:10-240

Insurance policies do not cover punitive damages unless stated

Read the official text at capitol.hawaii.gov ↗

This law says that an insurance policy issued in Hawaii does not pay for punitive or exemplary damages unless the policy specifically says it does. Punitive damages are extra money a court orders someone to pay as punishment, not to cover actual losses.

everyone

The statute, as written — Insurance contracts; punitive damages

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.

Coverage under any policy of insurance issued in this State shall not be construed to provide coverage for punitive or exemplary damages unless specifically included.

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.