True or False: The purpose of the Hawaii personal injury protection (PIP) insurance law is to eliminate tort liability cases.

The Hawaii personal injury protection (PIP) insurance law is designed to provide immediate medical benefits to individuals who are injured in automobile accidents, regardless of who is at fault. While the PIP system aims to streamline compensation for medical expenses and lost wages, its purpose is not to eliminate tort liability cases entirely. Tort liability refers to the legal responsibility for civil wrongs, which can still apply in various situations, including severe negligence or intentional harm.

PIP may limit the ability to sue for certain minor injuries or damages since it covers direct medical costs, but it does not preclude all tort claims, particularly for more serious injuries or other damages that fall outside the scope of PIP coverage. Thus, saying the purpose of Hawaii’s PIP law is to eliminate tort liability cases is inaccurate; rather, it complements the tort system by providing necessary benefits to injured individuals while retaining the option for legal recourse in more significant cases.