HRS §431:4-317
What members owe if the insurer fails
Members of a Hawaii domestic mutual insurer may owe extra money if the insurer cannot pay its bills. The most they can owe is stated in the insurer's articles, but it is at least one and at most five extra annual premiums. The policy must say this, and leaving the insurer does not erase debts from when you were a member.
The statute, as written — Contingent liability of members
(a) Each member of a domestic mutual insurer, except as otherwise provided in this part, shall have a contingent liability, pro rata and not one for another, for the discharge of its obligations. The contingent liability shall be in such maximum amount as is stated in the insurer's articles of incorporation, but shall be not less than one, nor more than five, additional premiums for the member's policy at the annual premium rate and for a term of one year. (b) Every policy issued by the insurer shall contain a statement of the contingent liability. (c) Termination of the policy of any member shall not relieve the member of contingent liability for the member's proportion of the obligations of the insurer which accrued while the policy was in force.
LawTrove is not legal advice. The summary above is a computer-generated restatement — the authoritative text is the official version linked above.