What is a good amount of car insurance to have in Hawaii?

I currently have bodily injury limits of $100,000/$300,000 and a property damage limit of $100,000. I also have personal injury protection of $50,000. Is this a good amount of coverage? Would this protect me in an accident?

“Based on the coverages you have, you stand well above Hawaii’s minimum car insurance requirements. Whether this is enough coverage for you personally depends on your situation.
You want to make sure that all of your current and future assets are protected if you’re at fault in an accident. Your liability limits should reflect the value of your assets.
Medical bills can be extremely expensive, so if you don’t have health insurance, it may be worth increasing your personal injury protection as well.
While it’s not required, consider adding uninsured motorist coverage to your policy. This would protect you if you’re in an accident with an uninsured driver, and you wouldn’t have to sue for damages. “
Emily Maracle
Answered on May 10, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.

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