Car insurance generally includes cars in Hawaii. The types of auto insurance offered to cars in Hawaii are collision, comprehensive, and property damage liability. You must have liability protection for property damage and personal injury in Hawaii. The PIP follows the driver, unlike liability coverage.
You can choose to leave someone out of your insurance because they're a high-risk driver and it's expensive to insure them, such as a new driver with multiple speeding tickets or someone with a history of driving under the influence of alcohol on their driving record. It's always a risk to lend your car to someone else, because you could definitely end up filing a claim with your own insurance in Hawaii. However, there are some situations where car insurance follows the driver, such as when car insurance limits are exceeded, in which case driver coverage can be used to cover gaps. If they cause damage in that situation, their insurance policy would be the main coverage, while yours would be the secondary coverage, as long as you can show that you didn't give them permission to use your car.
In most situations, driver's insurance plays an important role regardless of the car you're driving and who caused the accident. Now that you understand how no-fault car insurance works in Hawaii, let's look at the state requirements for car insurance coverage. In that case, your insurance would only have to intervene to cover gaps in your insurance policy or if your insurance ran out before the damages were fully covered. Car insurance typically follows the car instead of the driver, so the car owner's insurance will cover the accident, even if someone else is driving.
For more information on Hawaii's auto insurance coverage requirements and options, see the Hawaii Department of Commerce and Consumer Affairs motor vehicle insurance information page. An insurance adjuster can help you create a customized policy that takes into account your financial situation, the available assets that need protection, your comfort from risk, the type of car you drive or plan to buy, the amount of your desired pocket deductible, whether you lease or finance your vehicle, and the number of drivers living in your home. Remember that using your insurance means that you are responsible for paying your deductible, even if it's a friend (and not you personally) who crashes your car. If you let someone lend you your car and that person causes an accident in Hawaii, bodily injury liability insurance pays for the injuries of the other driver and their passengers.
At the end of the day, one of the best things you can do is consider adding people to your insurance if they use your car regularly. However, the responsibility may fall on the friend who keeps your car if they have their own car insurance. Yes, it's likely that you'll need to add your teen to your car insurance when they first get their permit and start driving.