HRS §431:5-305
Increased reserves
Read the official text at capitol.hawaii.gov ↗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 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.
(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.
LawTrove is not legal advice. The summary above is a computer-generated restatement — the authoritative text is the official version linked above.