HRS §431:4-308
Who is a member of a mutual insurance company
Read the official text at capitol.hawaii.gov ↗This section says that anyone who has an insurance policy from a Hawaii-based mutual insurance company (except a reinsurance contract) is automatically a member of that company. The policy itself must state this membership. Members have the rights and duties that come with membership.
The statute, as written — Membership
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.
Each holder of one or more insurance contracts issued by a domestic mutual insurer, other than a contract of reinsurance, is a member of the insurer, with the rights and obligations of such membership, and each insurance contract issued shall so stipulate.
LawTrove is not legal advice. The summary above is a computer-generated restatement — the authoritative text is the official version linked above.