What is a car accident claim worth in Hawaii?
Every rule below is quoted from Hawaii law or a state agency, with a link. Checked September 17, 2026.
The short answer
Nobody can price your claim from a web page, and any site that gives you one number is guessing. What we can show you is real: the amount insurers actually paid per claim in Hawaii, and the Hawaii rules that raise or lower what you collect. $40,235 was the average injury claim paid in Hawaii in 2022.
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Averages come from NAIC 2022/2023 Auto Insurance Database Report. State rules are quoted from Hawaii law on this site, each with a link.
What claims paid in Hawaii
Injury claims in Hawaii averaged $40,235 each in 2022.
Car and property damage claims averaged $5,607.
| Injury claim paid by the at fault driver's insurance | $40,235 |
|---|---|
| Car and property damage | $5,607 |
| Personal injury protection, paid by your own policy | $6,565 |
| Medical payments coverage, paid by your own policy | $6,451 |
| Collision coverage, paid by your own policy | $5,865 |
These are averages of every claim insurers closed, from the largest to the smallest. A claim with a hospital stay sits far above the average, and a fender bender sits far below it.
What changes the number in Hawaii
If you were partly at fault
Hawaii uses modified comparative negligence with a 51 percent bar. You can still recover damages as long as your share of fault is not greater than the other driver's, but your award is reduced by your own percentage of fault. If your fault is greater than the other side's, you recover nothing.
“if such negligence was not greater than the negligence of the person or in the case of more than one person, the aggregate negligence of such persons”
The other driver's policy limit is the ceiling
Hawaii drivers must carry at least $20,000 per person and $40,000 per accident in bodily injury liability coverage, plus $10,000 in property damage liability coverage.
“Liability coverage of not less than $20,000 per person, with an aggregate limit of $40,000 per accident”
If the other driver has no insurance
Hawaii insurers must include uninsured motorist coverage, matching the bodily injury liability limits, unless the policyholder rejects it in writing. Underinsured motorist coverage must be offered the same way. Stacking of uninsured or underinsured motorist coverage across vehicles is generally not allowed.
“the coverage required under this paragraph shall not be applicable where any named insured in the policy shall reject the coverage in writing”
The deadline that ends the claim
You have 2 years from the date of the crash to file a lawsuit for injuries.
“Actions for the recovery of compensation for damage or injury to persons or property shall be instituted within two years after the cause of action accrued”
What a lawyer takes if you hire one
Hawaii does not cap contingency fee percentages by rule. A contingency fee agreement must be in writing and signed by the client, and it must state the percentage the lawyer will receive at settlement, trial, or appeal, along with how case expenses are handled. Like any other fee, it must still be reasonable.
“A contingent fee agreement shall be in writing signed by the client and shall state the method by which the fee is to be determined, including the percentage or percentages”
Sources on this page
Each one was opened and checked on September 17, 2026.
Know My Claim is not a law firm or a government agency, and this page is not legal advice. Laws change, so check the linked source before you rely on a deadline.