Hawaii car insurance can be a bit more complicated than other insurance laws on the mainland.

The simple, natural beauty of the Hawaii can make one not realize how complex their car insurance requirements are.

In Hawaii you must carry Hawaii car insurance if you have a registered vehicle. They require that you carry the normal liability coverage that all states require, as well as coverage for injuries in your vehicle. This additional coverage for your own injuries is because Hawaii is a “no-fault” state.

Mandatory Hawaii Car Insurance

With Hawaii being a “no-fault state” it requires that your insurance company pay the medical expenses for you and any passengers that may have been injured in your car at the time of a car accident. Your insurance company pays these expenses regardless of who caused the accident under your personal injury protection coverage.

This “no-fault” only applies to non-serious injuries. Any serious injuries that you may cause will go through the mandatory bodily injury liability coverage that you have to carry.

Any property damage that you are at-fault for will be covered under the property damage liability coverage that you have to also have.

Mandatory coverage limits:

Person Injury Protection (PIP): $10,000

Bodily Injury Liability: $20,000 per person/ $40,000 for two or more people in one accident

Property Damage Liability: $10,000

Hawaii Car Insurance Required for Vehicle Registration

The state of Hawaii will not allow you to have a registered vehicle, without have active Hawaii car insurance. When you first register your vehicle with the state and every year that you renew your vehicle’s registration, you will have to show proof of current Hawaii car insurance.

This proof is required in order to obtain a vehicle inspection, inspection sticker, and certificate.

No Hawaii Car Insurance (1st Offense)

The first time you are caught without Hawaii car insurance, you will receive a fine of $500. The judge will with suspend your driver’s license for 3 months and not force you to get insurance, or you will be required to keep insurance on your vehicle for the next 6 months without lapse.

No Hawaii Car Insurance (Multiple Offenses)

Most people learn from their mistakes the first time and don’t go around trying to push their luck by not having Hawaii car insurance again. However, for those of you that like to see what you can get away with, if you are caught for the 2nd time (within 5 years) with having no Hawaii car insurance the penalties increase.

Your fine this time will be no less than $1500 and your driver’s license will be suspended for a year if you choose not to go with the 6-months continuous insurance.

But wait, there’s more!

You can also face up to 30 days in jail, have your vehicle registration suspended and your car impounded. If your car is impounded, it can also be sold to cover the cost of storage and any other charges and costs related to the impounding of your vehicle.

Is it really going to be worth seeing if you can get away with having no Hawaii car insurance?

The requirements for Delaware car insurance are low, but the penalties for not having it are high.

Don't be fooled into thinking that Delaware doesn't care about car insurance because of the low requirements.

The state of Delaware doesn’t ask for much in the way of the amount of Delaware car insurance coverage they want you to have if you are to own and drive a vehicle in that state. If you don’t comply though, you will see penalties and fines given to you that far outweigh what was originally asked.

If you think that the state won’t find out that you don’t have insurance if you don’t get pulled over or get into and accident; think again. Delaware tracks the insurance coverage of vehicles in that state and they will know if you ever cancel your Delaware car insurance policy and don’t get a new policy.

Delaware Car Insurance Requirements

The minimum coverages that are required for Delaware car insurance are one of the lowest in the nation. You are only required to carry $15,000 and $30,000 in bodily injury liability coverage and $10,000 in property damage liability coverage.

The bodily injury coverages are to pay for the medical expenses that another party may have if you injure them. The $15,000 is the most that your insurance policy will cover in this case for one person and the $30,000 is the most paid out for two or more people.

Property damage liability coverage pays for the damages that you cause to another person’s property with your vehicle.

Penalties for No Delaware Car Insurance

In the event that you are pulled over by a police officer and cannot provide proof of Delaware car insurance, your driver’s license will be suspended. In addition, you will receive a fine of at least $1500 for not having Delaware car insurance the first time you are caught.

If not being able to drive and being out $1500 isn’t enough of a lesson for you; the next time you are caught without Delaware car insurance the fine is $3000.

Cancelling Delaware Car Insurance

Before you cancel your Delaware car insurance, you must surrender your license plate to the state. If you fail to do this and you cancel your Delaware car insurance, you will be fined. The fine is $100 per uninsured vehicle that is registered, for the first 30 days after your Delaware car insurance is cancelled. After the first 30 days, you are fined $5 a day (per vehicle) until you finally get new insurance, your registration on the vehicle expires or you surrender your license plate.

Delaware Car Insurance and the FR-19

The FR-19 is a form that comes from your insurance company. It basically tells the state that you have been continuously covered under Delaware car insurance.

A FR-19 form will be needed when you are picked by the DMV for an insurance audit. It will have all the information that the DMV needs and will be your proof that you had insurance coverage on the verification date the DMV requests and that you are still currently insured.

In addition to the normally required liability coverage, Colorado car insurance requires you to carry coverage to protect yourself as well.

Enjoy the beauty of Colorado from your legally insured vehicle.

Colorado car insurance requirements are about average when they are compared to other states. The only difference is that Colorado is one of the few states that also require that you carry some insurance coverage to protect yourself in the event that you are injured in a car accident. Well, the requirement is actually more of a strong suggestion with how the state allows for the option of declining this “required” coverage.

Required Colorado Car Insurance

Vehicle owners in the state of Colorado are required to carry no less than the following Colorado car insurance:

• $15,000 in liability property damage coverage; for damages you cause to another person’s vehicle or property.

• $25,000 in liability bodily injury coverage; this is for medical expenses that arise if you injure or kill another person with your vehicle.

• $50,000 in liability bodily injury coverage; this is coverage for the medical expenses that may arise if you injure or kill two or more people.

Required but Optional Colorado Car Insurance

Medical Payments (med-pay) coverage is also required as part of your Colorado car insurance. Med-pay coverage provides you and your passenger coverage for the medical expenses you may have after an accident.

Even though you are required to have this coverage, the state does allow you to opt out. You just need to sign a document stating that you are refusing this specific coverage. Doesn’t sound all that required now, does it?

No Colorado Car Insurance Penalties (Traffic Stop)

If you are pulled over and do not have Colorado car insurance, you will be given 7 days to either request a hearing or to get insurance (including SR-22 insurance). If you take no action, then your driver’s license will be suspended.

If you haven’t got it through your head that you have to have Colorado car insurance to drive, the penalties get worse the more times you get caught.

Suspension #2 – Your driver’s license is suspended for four months.

Suspension #3 – Your driver’s license is suspended for eight months.

No Colorado Car Insurance Penalties (Accident)

If you get into a car accident and don’t have Colorado car insurance at the time of the accident, you will be under a Financial Responsibility Act Suspension. You will have the right to request a hearing, but if the hearing officer finds that you did not have Colorado car insurance at the time of the accident and you were responsible for the accident; your driver’s license will be suspended.

To get your license back you have to do one of the following:

• Allow three years to pass after the accident without a lawsuit resulting from the accident being filed.

• Provide proof of a sufficient bond

• Provide proof that you were found not responsible for the accident in a lawsuit.

• Provide proof that you have been released by the parties you caused damage to of any liability.

The surcharge disclosure plan for an insurance company varies by company and even by state.

When you get into an accident or earn a traffic violation, your insurance company will eventually find out about it. Once they do, you will most likely see your insurance premium increase; depending on what your insurance company’s surcharge plan is.

A surcharge plan is:

• The dollar amount that your insurance company will pay up to for an accident, before they apply a surcharge.

• Accidents that they do not apply a surcharge to.

• Traffic violations they apply a surcharge to.

• The amount of time that they will keep the surcharge on your insurance policy for, after a traffic violation or accident.

• The surcharge rate for the initial accident or traffic violation, and each one after that.

Now, the surcharge disclosure is a written statement that specifically states the surcharge plan of your insurance company. In most states the disclosure plan has to be provided to the consumer prior to purchase. For example, in Minnesota the law states:

“Before accepting the initial premium payment, an insurer or its agent shall provide a surcharge disclosure statement to any person who applies for a policy which is effective on or after January 1, 1983. If the insurer provides the surcharge disclosure statement on the insurer’s Web site, the insurer or agent may notify the applicant orally or in writing of its availability for review on the insurer’s Web site prior to accepting the initial payment, in lieu of providing a disclosure statement to the applicant in writing, if the insurer so notifies the applicant of the availability of a written version of this statement upon the applicant’s request. The insurer shall provide the surcharge disclosure statement in writing if requested by the applicant. An oral notice shall be presumed delivered if the agent or insurer makes a contemporaneous notation in the applicant’s record of the notice having been delivered or if the insurer or agent retains an audio recording of the notification provided to the applicant.” (2011 Minnesota Statutes 65B.133 Surcharge Disclosure)

For the specific surcharge disclosure for your insurance company, you will have to contact your insurance agent or insurance company directly.

Arkansas car insurance requirements run about average compared to other states.

"The Natural State" to make sure that you have car insurance on your vehicle.

Drivers in the state of Arkansas are required to carry about the same liability coverage as drivers in other states are. Where Arkansas drivers luck out, is that the state gives you the option to opt out of additional coverages that are starting to be required in other states. These mandatory, but yet optional coverages have more to do with protecting you than other people you may be in an accident with.

Mandatory Arkansas Car Insurance

Arkansas car insurance laws require that you carry 25/50/25 in liability coverage. This is about average for the nation, with most states requiring the 25/50 for liability bodily injury coverage.

Broken down, this is what the 25/50/25 means:

25 = That no less than $25,000 in coverage is allowed on your Arkansas car insurance policy, to pay for the medical expenses of a person you injure or kill in an accident.

50 = No less than $50,000 in coverage on your Arkansas car insurance can be purchased to cover the medical expenses for two or more people that you injure or kill.

25 = This last 25 represents the required liability property damage coverage that you are required to have on your insurance policy. You can purchase no less than $25,000 in coverage and it covers the damages that you may cause to another person’s property. This property can be their vehicle or a more stationary object, like a house or traffic sign.

Mandatory Rejection for Arkansas Car Insurance

Personal injury protection, uninsured motorist and underinsured motorist coverages all have to be offered to you at the time you purchase the required liability insurance. You will then have the option of purchasing this additional coverage or rejecting it. If you reject the coverage you have to do so in writing.

If you purchase it, the coverage will be added to whatever other insurance you have purchased. This will give you additional coverage to protect you in the event of an accident.

Assigned Risk Arkansas Car Insurance

Some people just either have very bad luck or they are very bad drivers. If you ask them directly, they would probably say that all of the tickets and accidents on their driving record was the result of bad luck. The insurance companies, however, don’t agree and say it is bad driving.

If you have enough of this bad driving (or bad luck) on your record, the insurance companies aren’t going to want to sell you insurance coverage.

But, wait a minute! Don’t you have to have insurance coverage to be able to drive in Arkansas?

Yes, you do. This is why there is Assigned Risk.

Assigned Risk is when insurance companies are forced by the state of Arkansas to give you insurance coverage, even though they don’t want to. Because they don’t want to and they are being forced to; you can expect very high insurance premiums if you end up in Assigned Risk.

Then you will have to decide if driving is still worth the price you have to pay on your Arkansas car insurance.