HRS §431:10C-208
No premium increases for accidents you did not cause
Read the official text at capitol.hawaii.gov ↗This law protects you from paying more for car insurance after an accident that was not your fault. Your insurance company cannot raise your premium or take away discounts because of that accident. It applies to any motor vehicle insurance policy.
borrowers
The statute, as written — Increase in premiums prohibited
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.
No premium on any motor vehicle insurance policy shall be increased as a result of any accident if the insured is not at fault in the accident. An accident in which the insured was not at fault shall not be used in any way to affect any subsequent increases, including loss of any discounts, in insurance premiums.
LawTrove is not legal advice. The summary above is a computer-generated restatement — the authoritative text is the official version linked above.