Hawaii’s no-fault insurance system requires drivers to carry Personal Injury Protection (PIP) coverage, which pays for medical expenses, lost wages, and other related costs regardless of who is at fault in an accident. This system aims to reduce litigation and speed up compensation for minor injuries. Each driver must have a minimum of $10,000 in PIP coverage. However, if injuries are severe or medical expenses exceed a certain threshold, individuals may pursue a claim against the at-fault driver. Understanding Hawaii’s no-fault insurance is crucial for residents to ensure compliance and adequate protection.