HRS §663-24
How advance insurance payments affect policy limits
This section says that when an insurance company pays money early on a claim for someone it insures, that payment does not raise the policy's coverage limit. The early payment is subtracted from what the company still owes on that same claim.
The statute, as written — Effect on insurance.] No advance payment made by an insurance company on behalf of an insured shall increase the limits of liability of the insurance company under any existing policy of insurance, an
d the amount of any advance payment made in respect to any claim shall be credited against any obligation of the insurance company in respect to said claim.
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