What is a key feature of uninsured motorist coverage in Hawaii?

Uninsured motorist coverage in Hawaii is a critical component of automobile insurance that provides protection to insured drivers in the event they are involved in an accident with a driver who does not have insurance. A key feature of this coverage is that while insurers are required to offer it, the insured has the choice to accept or reject it. This means that when obtaining an auto insurance policy, insurance companies must present uninsured motorist coverage as an option, allowing policyholders the flexibility to make an informed decision based on their own needs and circumstances.

This reflects how uninsured motorist coverage operates within Hawaii's insurance regulations, providing a layer of consumer protection while also respecting the policyholder's autonomy in choosing what coverages they wish to carry on their vehicle. This characteristic helps ensure that drivers are aware of the potential risks of uninsured motorists while allowing them to manage their insurance portfolio according to their preferences.