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Yes, you do need Hawaii Auto Insurance

Having lived on the Big Island of Hawaii I can explain why you need Hawaii Auto Insurance. Probably the first and most important reason is because there are many "locals" who do not carry Hawaii Auto Insurance. If you are visiting and renting a car or you live there and have your own vehicle, the person you are likely to run into doesn't have Hawaii Auto Insurance.

Now on the Big Island you do not have any freeways, but most of the roads are two lanes. Most of the streets do not have street lights so the roads are very dark and winding. Throw in the fact that the roads are built on black lava, the beginning and the ends of the sides of the road are distorted.

I actually was visiting black sands beach and drove right off into the sand, getting stuck, because I could tell the road from the beach. Keep in mind if you drive off into the lava the likelihood of your car not being totaled is rare, lava is very unforgiving. Having Hawaii Auto Insurance offers you the possibility of replacing your ruined vehicle. The Hawaii Auto Insurance should also always have personal injury for you and your passengers.

Many of the "locals" were taught to drive when they were very young and either working in the coffee fields or the poi patches. They do not offer drivers education in the public schools and at the time I lived there, there were not any driving schools on island. To not have Hawaii Auto Insurance, is a risk you don't want to take.

If you are vacationing in Hawaii, you should always purchase the Hawaii Auto Insurance when you rent a car. You will have you and your family covered in case of an accident. Hawaii Auto Insurance will provide you with a list of places you may want to visit, but are so rural and dangerous, that they cannot cover your driving there. Since most of the sightseeing you will be doing is off a main highway, you should have no problem visiting some of the most beautiful spots on the island.

 
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