HRS §431:5-305
Increased reserves
This section lets the insurance commissioner step in when an insurer's reserves are too low. If premium reserves are inadequate, the commissioner can order a different calculation method. If loss reserves are inadequate, the commissioner must require the insurer to increase them to a sufficient amount.
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The statute, as written — Increased reserves
(a) If the commissioner determines that an insurer's unearned premium reserves, however computed, are inadequate, the commissioner may require the insurer to compute such reserves or any part thereof according to such other method or methods as are prescribed in this code. (b) If the loss reserves, however estimated, are inadequate, the commissioner shall require the insurer to maintain loss reserves in such increased amount as is needed to make them adequate.
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