Coverage & Claims

Do I have to prove a driver was uninsured?

Unfortunately, there isn't much you can do about not wanting to get another driver who is uninsured in trouble. At the end of the day, your insurance might require you show proof of an uninsured motorist in which case it is in your best interest to give as much information as possible to your company.

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Coverage & Claims

Should I file an insurance claim?

Here are a few things to consider: You have up to 2 years in Hawaii to file a property damage claim with your insurance provider. It's always best to file a claim as quickly as possible so your insurance company can best assess the damage on your vehicle, however you technically can file a claim up to 2 years from the date of the damage. Since the damage on your car came from 2 different incidents you will be required to file 2 claims and pay 2 different deductibles.

Driving History

Can I buy a policy for two drivers and one car so that we aren't penalized for each other's driving history?

Driving records follow each individual driver. When multiple drivers are covered by the same policy then each driver's record will impact the total cost to insure them.
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