Frequently Asked Questions

What is the difference between Collision and Comprehensive coverage for my automobile?
If you’re in an automobile accident, regardless of who is at fault, collision insurance provides protection to replace or repair your vehicle, subject to a deductible.

In the event of hail damage or a tree limb falling on your car (risks not involving an automobile collision), this coverage insures you. Comprehensive coverage pays to repair your vehicle, subject to a separate deductible.

What is Bodily Injury Liability?

Bodily injury liability provides coverage in case you cause an accident in which another person (or people) is hurt. It covers the damages that you’re legally responsible for, and provides a legal defense if someone sues you for damages.

What is Property Damage Liability?

Property Damage covers you if your car damages someone else’s property. Usually this means damage to someone else’s car, but it could be any property. If you were to accidentally hit someone’s fence, or run into a light post, this coverage would pay to replace it or repair the damage for which you are legally responsible.

What is Personal Injury Protection (PIP)?
PIP Coverage benefits pay for appropriate and reasonable treatment and expenses necessarily incurred because of an auto accident resulting from the operation or use of a motor vehicle. Basic personal injury protection coverage is mandatory. The law requires a Personal Injury Protection limit of at least $10,000 coverage. PIP benefits are paid regardless of who was at fault in the auto accident. Basic PIP benefits have an aggregate limit of $10,000 per person, per accident.
What is a deductible?
Your deductible is the portion of any claim payment that you agree to pay for out of pocket. If you file a claim and the insurance company determines that it is a covered loss and intends to pay for the loss, they will take the deductible amount or deductible percentage in your policy and deduct it from the claim payment. For example, if you have a $500 deductible amount and your insurance company has determined that you have an insured loss worth $5,000 you would receive a claim check for $4,500. If you have a deductible percentage, then the company would calculate the deductible amount using this percentage figure and deduct the calculated deductible amount.
What is Uninsured Motorist Coverage?
Uninsured Motorists coverage pays you, your resident relatives and passengers in the insured automobile for monetary damages resulting from bodily injury or death caused by an uninsured motorist. If you are injured in an accident caused by someone who does not have insurance, you may be entitled to recover damages for bodily injury under the Uninsured Motorist Coverage of your policy
What is Underinsured Motorist Coverage?
Underinsured Motorists Coverage provides coverage for persons insured under the policy who are legally entitled to recover damages because of bodily injury from owners or operators of underinsured motor vehicles. Even if the at-fault driver is insured, it is not uncommon that the at-fault driver will not have enough liability coverage to pay for all the damages you have suffered. Underinsured Motorists Coverage may pay for the remainder of your damages (up to your policy limits).
What is Hawaii’s Minimum Auto Liability Coverage Requirement?

Bodily Injury for One Person: $20,000
Bodily Injury for All Injuries: $40,000
Property Damage: $10,000
Personal Injury Protection (PIP): $10,000

What does a homeowner insurance policy cover?
Generally, Homeowner insurance covers damage from incidents such as fire, theft, and vandalism to your house, other structures like a garage or shed, and your personal belongings. It covers living expenses if your house becomes temporarily unusable, and liability in case you or a member of your household injures someone or damages their property.
Do I have an adequate amount of dwelling coverage on my policy?
Since the replacement cost of your house can be affected by inflation, costs of labor and building materials, and any renovations you may make to your home, you should always review your coverage periodically with your agent.
I don’t own a home; do I still need Homeowners insurance coverage?
If you own a condominium or rent a home or condo, then there are different types of policies for your insurance needs. Please consult with your agent.
What do Condominium Insurance policies cover?
Condominium insurance usually covers things within the unit, including, but not limited to drywall, flooring, fixtures, plumbing, electrical, and personal belongings. It also provides additional living expenses if you are temporarily unable to live in your home because of a loss caused by a covered peril. The condo policy also covers you for lawsuits or liability claims if you are responsible for injury to other people or damage to their property. You should know what your Condo Association’s policy covers (and does not cover) to understand exactly what your policy covers. These are all subject to specific exclusions and applicable deductibles.
What is Personal Umbrella Coverage?
Personal Umbrella Coverage is designed to provide excess or additional liability coverage when an insured’s primary Homeowners or Automobile policy limits are exhausted.  In a covered claim, the insured’s primary insurance policies pay up to their limits, and any additional amount is paid by the umbrella policy (up to the limit of the umbrella policy).
What should you do in the event of a loss?
Call your agent immediately. If your agent is not available, call your insurance company directly. Document the loss by taking notes, if necessary, take photos or a video of the damage for documentation and follow any instructions the insurance company gives you. Make any temporary repairs necessary to protect your property from further damage. For example, board up windows or cover any holes in the roof. Arrange for your insurance company to inspect the damaged property as soon as possible. For Automobile accidents, call the police to the scene of an accident to document the facts. Get all the necessary information from all parties involved such as name, phone numbers, and insurance company.
How can I get a quote for an HIG policy?
Independent agents located throughout the state of Hawaii are ready to provide you a quote for a HIG policy. These agents are in your communities and neighborhoods and understand what your insurance needs are. Review our list of Independent Agents to get the protection you need and the service you deserve. Find an Agent