Hawaii Car Accident Settlement Calculator
Estimate a car accident settlement under Hawaii law. The calculator applies this jurisdiction's own comparative fault rule and damages ceilings, and every figure below is the one our verified data holds, with the statute behind it and the date we checked it.
What Hawaii law does to your claim
Three things in state law open a gap between two identical injuries in two different states: how long you have to file, what happens if you were partly at fault, and whether the state puts a ceiling on what a jury can award. Here is what we hold for this one.
Hawaii's insurance code sets its own time limit for a motor-vehicle injury claim, HRS § 431:10C-315(b), beside the two-year general personal-injury period in HRS § 657-7. It reads: "No suit arising out of a motor vehicle accident shall be brought in tort more than the later of: (1) Two years after the date of the motor vehicle accident upon which the claim is based; (2) Two years after the date of the last payment of motor vehicle insurance or optional additional benefits; or (3) Two years after the date of the last payment of workers' compensation or public assistance benefits arising from the motor vehicle accident." Two years from the crash is therefore the EARLIEST your deadline can fall and not the deadline itself: where any of those benefits were still being paid after that point, the clock runs from the last payment, and only your own record of those payments fixes the later date. Its text does not say how it relates to HRS § 657-7, and HRS § 431:10C-306 limits which motor-vehicle injuries can be brought as a tort claim at all, so speak to a licensed Hawaii attorney before relying on either date.
Riding a motorcycle? This provision can reach a rider's claim in Hawaii only where a car or other motor vehicle was involved in the crash, and a crash that involved no motor vehicle runs on Hawaii's general personal-injury period instead. The motorcycle accident calculator shows the period a rider's claim in Hawaii is given, and why.
Riding a bicycle? This provision can reach a cyclist's claim in Hawaii only where a car or other motor vehicle was involved in the crash, and a crash that involved no motor vehicle runs on Hawaii's general personal-injury period instead. The bicycle accident calculator shows the period a cyclist's claim in Hawaii is given, and why.
HRS § 431:10C-315(b)·Last reviewed 2026-09-23
Hawaii bars recovery if plaintiff is 51% or more at fault.
Haw. Rev. Stat. § 663-31·Source retrieved 2026-07-27
None on record means our verified data holds no figure of this kind for this state. It is not a finding that no limit could apply to your claim.
Hawaii car insurance law: minimums, PIP and uninsured motorist coverage
What Hawaii's provisions say about the insurance behind a car accident claim, in their own words, with the copy read named under each.
Hawaii: Minimum liability coverage
“(b) A motor vehicle insurance policy shall include: (1) Liability coverage of not less than $40,000 per person, with an aggregate limit of $80,000 per accident, for all damages arising out of accidental harm sustained as a result of any one accident and arising out of the ownership, maintenance, use, loading, or unloading of a motor vehicle; (2) Liability coverage of not less than $20,000 for all damages arising out of damage to or destruction of property including motor vehicles and including the loss of use thereof, but not including property owned by, being transported by, or in the charge of the insured, as a result of any one accident arising out of the ownership, maintenance, use, loading, or unloading, of the insured vehicle; […]”
The provision continues past the end of this quote, and the rest is not quoted here.
A minimum is a floor on what a policy must carry. It is not a limit on what a claim is worth, and it does not tell you what the at-fault driver carries.
Hawaii: No-fault, personal injury protection and the right to sue
“(a) An insurance policy covering a motor vehicle shall provide: (1) Coverage specified in section 431:10C-304; and […]”
The provision continues past the end of this quote, and the rest is not quoted here.
“Personal injury protection benefits shall be subject to an aggregate limit of $10,000 per person for services provided under this section. An insurer may offer additional coverage in excess of the $10,000 aggregate limit for services provided under this section, or as provided by rule of the commissioner.”
“(a) Except as provided in subsection (b), this article abolishes tort liability of the following persons with respect to accidental harm arising from motor vehicle accidents occurring in this State: (1) Owner, operator, or user of an insured motor vehicle; […]”
The provision continues past the end of this quote, and the rest is not quoted here.
The limit on a suit for pain and suffering:
“(b) Tort liability is not abolished as to the following persons, their personal representatives, or their legal guardians in the following circumstances: (1) Death occurs to the person in such a motor vehicle accident; (2) Injury occurs to the person which consists, in whole or in part, in a significant permanent loss of use of a part or function of the body; (3) Injury occurs to the person which consists of a permanent and serious disfigurement which results in subjection of the injured person to mental or emotional suffering; or (4) Injury occurs to the person in a motor vehicle accident and as a result of such injury that the personal injury protection benefits incurred by such person equal or exceed $5,000; […]”
The provision continues past the end of this quote, and the rest is not quoted here.
“Subsections (a) and (b) shall apply whether or not the injured person is entitled to receive personal injury protection benefits.”
Hawaii: Uninsured and underinsured motorist coverage
“(3) With respect to any motor vehicle registered or principally garaged in this State, liability coverage provided therein or supplemental thereto, in limits for bodily injury or death set forth in paragraph (1) under provisions filed with and approved by the commissioner, for the protection of persons insured thereunder who are legally entitled to recover damages from owners or operators of uninsured motor vehicles because of bodily injury, sickness, or disease, including death, resulting therefrom; provided that the coverage required under this paragraph shall not be applicable where any named insured in the policy shall reject the coverage in writing; and (4) Coverage for loss resulting from bodily injury or death suffered by any person legally entitled to recover damages from owners or operators of underinsured motor vehicles. An insurer may offer the underinsured motorist coverage required by this paragraph in the same manner as uninsured motorist coverage; provided that the offer of both shall: (A) Be conspicuously displayed so as to be readily noticeable by the insured; (B) Set forth the premium for the coverage adjacent to the offer in a manner that the premium is clearly identifiable with the offer and may be easily subtracted from the total premium to determine the premium payment due in the event the insured elects not to purchase the option; and (C) Provide for written rejection of the coverage by requiring the insured to affix the insured's signature in a location adjacent to or directly below the offer.”
Hawaii: Medical payments coverage
No medical payments coverage requirement was found in the provisions read for this page (HRS §§ 431:10C-103.5 and 431:10C-301).
What partial fault costs you in Hawaii
The same claim, fracture with surgery, several months of recovery, run through the calculator above four times, with nothing changed but the share of fault assigned to the claimant. The numbers are the engine's output, not an editorial claim about what these cases are worth.
One case, run through the calculator above four times with only the claimant's share of fault changed, under Hawaii law. No coverage ceiling is applied, because we would be inventing the at-fault party's policy. These shares illustrate the rule; they are not an estimate of your own fault.
Every Hawaii deadline we hold
A claim can be more than one kind of case, and the clock is different for each. These are the Hawaii periods in our verified data, with the statute behind each one. A deadline is the outside limit, never a target, and other rules can shorten it.
Haw. Rev. Stat. § 657-7·Source retrieved 2026-07-27
Open the personal injury calculatorHaw. Rev. Stat. § 657-7.3·Source retrieved 2026-07-27
Open the medical malpractice calculatorWhich deadline governs a death caused by a motor-vehicle crash in Hawaii is not established here. The two years published is the general wrongful-death period under HRS §§ 663-3 and 657-7. HRS § 431:10C-315(b), which can carry a Hawaii car-accident deadline past two years from the crash, says "No suit arising out of a motor vehicle accident shall be brought in tort more than the later of" two years after the accident or two years after the last payment of certain benefits, and its text does not mention a death. We have not established whether it reaches a wrongful-death action, and we hold nothing beyond the text. Treat the two years as the figure to work inside, and speak to a licensed Hawaii attorney well before it runs out.
Haw. Rev. Stat. §§ 663-3, 657-7·Source retrieved 2026-07-27
Open the wrongful death calculatorHaw. Rev. Stat. § 386-82·Source retrieved 2026-07-27
Open the workers compensation calculatorHaw. Rev. Stat. § 657-7·Source retrieved 2026-07-27
Open the slip and fall calculatorHawaii's insurance code sets its own time limit for a motor-vehicle injury claim, HRS § 431:10C-315(b), beside the two-year general personal-injury period in HRS § 657-7. It reads: "No suit arising out of a motor vehicle accident shall be brought in tort more than the later of: (1) Two years after the date of the motor vehicle accident upon which the claim is based; (2) Two years after the date of the last payment of motor vehicle insurance or optional additional benefits; or (3) Two years after the date of the last payment of workers' compensation or public assistance benefits arising from the motor vehicle accident." Two years from the crash is therefore the EARLIEST your deadline can fall and not the deadline itself: where any of those benefits were still being paid after that point, the clock runs from the last payment, and only your own record of those payments fixes the later date. Its text does not say how it relates to HRS § 657-7, and HRS § 431:10C-306 limits which motor-vehicle injuries can be brought as a tort claim at all, so speak to a licensed Hawaii attorney before relying on either date.
Riding a motorcycle? This provision can reach a rider's claim in Hawaii only where a car or other motor vehicle was involved in the crash, and a crash that involved no motor vehicle runs on Hawaii's general personal-injury period instead. The motorcycle accident calculator shows the period a rider's claim in Hawaii is given, and why.
Riding a bicycle? This provision can reach a cyclist's claim in Hawaii only where a car or other motor vehicle was involved in the crash, and a crash that involved no motor vehicle runs on Hawaii's general personal-injury period instead. The bicycle accident calculator shows the period a cyclist's claim in Hawaii is given, and why.
HRS § 431:10C-315(b)·Last reviewed 2026-09-23
Open the motor vehicle claims calculatorHawaii against the rest of the country
Every count below is read from our state-law data across all 51 jurisdictions, so it moves when the data does. What you will not find here is an average settlement figure: the only one we could compute is a model, and a model presented as a measurement is not a fact.
- 24 of the 51 jurisdictions we track apply modified comparative negligence with a 51% bar, and Hawaii is one of them.
- Hawaii allows at least 2 years to file, and that is the earliest its deadline can fall rather than a fixed limit, because the governing provision also runs from a later event. This page does not set that against the 2 years that 25 jurisdictions publish, because for those we hold a period and no later event, which is a different claim. Across the 51 jurisdictions the deadline for this case type runs from 1 year to 6 years. Riding a motorcycle? This provision can reach a rider's claim in Hawaii only where a car or other motor vehicle was involved in the crash, and a crash that involved no motor vehicle runs on Hawaii's general personal-injury period instead. The motorcycle accident calculator shows the period a rider's claim in Hawaii is given, and why. Riding a bicycle? This provision can reach a cyclist's claim in Hawaii only where a car or other motor vehicle was involved in the crash, and a crash that involved no motor vehicle runs on Hawaii's general personal-injury period instead. The bicycle accident calculator shows the period a cyclist's claim in Hawaii is given, and why.
- 7 of the 51 jurisdictions limit non-economic damages (pain and suffering) in our data and Hawaii is not among them, so an estimate here is not held down by a ceiling we hold.
Comparisons are drawn from the legal levers that actually move a case value, not from closed-case data, which we do not hold. See the full methodology