Hawaii car accident leads
Summit Leads supplies car accident leads in Hawaii, and in every other U.S. state, by real-time ping/post, exclusive by default, with ZIP code filters. Hawaii is a no-fault state: each policy carries $10,000 per person in PIP benefits (Insurance Division, as of October 2026), and a suit against the other driver needs a serious injury.
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Hawaii facts for car accident lead buyers
| Fact | Value Source |
|---|---|
| Auto insurance system | No-fault; the injured person's own insurer pays injury bills up to the PIP limit (Insurance Division, as of October 2026)Motor Vehicle Insurance Information Hawaii Department of Commerce and Consumer Affairs, Insurance Division |
| Personal injury protection (PIP) | $10,000 per person (Insurance Division, as of October 2026)Motor Vehicle Insurance Information Hawaii Department of Commerce and Consumer Affairs, Insurance Division |
| Minimum bodily injury liability | $20,000 per person and $40,000 per accident (Insurance Division, as of October 2026)Motor Vehicle Insurance Information Hawaii Department of Commerce and Consumer Affairs, Insurance Division |
| Minimum property damage liability | $10,000 per occurrence (Insurance Division, as of October 2026)Motor Vehicle Insurance Information Hawaii Department of Commerce and Consumer Affairs, Insurance Division |
| Tort threshold | Exceptions include a significant permanent loss of use of a body part or function, or $5,000 in PIP benefits incurred (HRS 431:10C-306(b), as quoted by the Hawaii Supreme Court, 2020)Mobley v. Kimura, SCWC-12-0001090 (filed March 13, 2020) Supreme Court of the State of Hawaii |
| Comparative fault rule | Damages reduced if the plaintiff's negligence is 50% or less; no recovery above 50% (Hawaii Civil Jury Instruction 6.4, amended to March 2022)Hawaii Civil Jury Instructions, Instruction No. 6.4, Effect of Comparative Negligence (amended to March 2022) Hawaii State Judiciary |
| Motor vehicle tort deadline | Measured from the later of several dates, including two years after the last motor vehicle insurance payment (HRS 431:10C-315(b), as quoted in 2020)Mobley v. Kimura, SCWC-12-0001090 (filed March 13, 2020) Supreme Court of the State of Hawaii |
| Traffic fatalities | 93 in 2023 (NHTSA FARS)FARS Encyclopedia: Fatalities and Fatality Rates by State NHTSA |
| Lawyer advertising and contact rules | HRPC Rule 7.2, Advertising; Rule 7.3, Direct Contact with Prospective Clients (effective January 1, 2014, with amendments)Hawaii Rules of Professional Conduct (effective January 1, 2014, with amendments) Hawaii State Judiciary |
Last reviewed: October 7, 2026. A summary for education, not legal advice.
Hawaii no-fault: PIP first, then the tort threshold
This section is general information, not legal advice. It summarizes official sources as of October 7, 2026; check the current text of each rule before relying on it.
Hawaii's Insurance Division describes the state as a no-fault state, where a person's own motor vehicle insurer pays the bills for their injuries and their passengers' injuries up to the personal injury protection limit. Its motor vehicle insurance page (as of October 2026) sets that limit at $10,000 per person and adds that you cannot sue or be sued unless there are serious injuries.
The tort threshold decides which claims leave the no-fault system. In Mobley v. Kimura (Hawaii Supreme Court, March 13, 2020), the court explained that HRS 431:10C-306(a) abolishes tort liability for motor vehicle accidents in Hawaii unless an exception in subsection (b) applies, including an injury that consists in a significant permanent loss of use of a part or function of the body, or $5,000 in PIP benefits incurred.
That makes injury severity and PIP spending the core of a Hawaii lead. A buyer wants to know what was injured, how treatment has gone and whether PIP is still paying, because those answers show whether a claim can reach the threshold.
When a Hawaii tort suit must be filed, and how fault is compared
Hawaii ties its motor vehicle tort deadline to benefit payments as well as the crash. Mobley v. Kimura (2020) quotes HRS 431:10C-315(b): no suit arising out of a motor vehicle accident shall be brought in tort more than the later of several dates, including two years after the last payment of motor vehicle insurance benefits and two years after the last payment of workers' compensation or public assistance benefits arising from the accident.
Fault is compared once a claim is in tort. Hawaii Civil Jury Instruction No. 6.4 (amended to March 2022) tells jurors that if the plaintiff's negligence is 50% or less, the court reduces the award by that share, and that if it is more than 50%, the plaintiff recovers nothing.
Buyers filterFilterA rule that decides which leads a buyer is offered, based on fields such as vertical, sub-type, state, ZIP code, homeownership or accident details. Glossary on accident date because firms want to sign a case while records are fresh, even when benefit payments extend the deadline, and on fault answers because a claimant found more than half at fault under that instruction recovers nothing.
Hawaii minimum liability coverage
Alongside PIP, the Insurance Division (as of October 2026) lists the minimum liability coverage every Hawaii policy carries: $20,000 per person and $40,000 per accident for bodily injury, and $10,000 per occurrence for property damage.
Those limits matter only after a claim clears the tort threshold. A buyer working Hawaii traffic often asks for the other driver's insurer and the claimant's own coverage at the same time as the injury details.
Hawaii traffic deaths
NHTSA's Fatality Analysis Reporting System counts 93 people killed in motor vehicle traffic crashes in Hawaii in 2023. The figure covers deaths only. Most car accident leads come from injury crashes, which FARS does not count.
Hawaii Rules of Professional Conduct on advertising and contact
This section is general information, not legal advice. It summarizes official sources as of October 7, 2026; check the current text of each rule before relying on it.
The Hawaii Supreme Court adopted the current Hawaii Rules of Professional Conduct (effective January 1, 2014, with amendments), published by the Hawaii State Judiciary. The rules on information about legal services that a car accident lead buyer's clients review include:
- Rule 7.1, Communications Concerning a Lawyer's Services.
- Rule 7.2, Advertising. Paragraph (b) bars giving "anything of value to a person for recommending the lawyer's services," with listed exceptions.
- Rule 7.3, Direct Contact with Prospective Clients.
The page lists rule numbers and titles. It does not say whether any lead program complies; that is for the buying firm and its counsel.
What buyers in Hawaii filter on
Hawaii filters follow the no-fault rules more closely than in fault-based states:
- Injury and treatment: shows whether the claim may reach the tort threshold.
- PIP status: whether PIP is paying and how far benefits have gone toward the threshold figure.
- Accident date: recent accidents, even though benefit payments can extend the tort deadline.
- Fault answers: checked against the comparative negligence instruction.
- Representation status: excludes claimants who already have a lawyer.
- ZIP code: buyers choose islands and ZIP codes their clients serve.
Where buyers filter in Hawaii
Hawaii buyers usually think in islands first. The Census Bureau's July 1, 2025 estimates for the state's two metropolitan areas and its largest micropolitan area, on the island of Hawaii, are below. ZIP code filters let a buyer take one island, part of one, or all of them.
- Urban Honolulu: 988,703 (July 1, 2025 estimate)
- Kahului-Wailuku: 160,674 (July 1, 2025 estimate)
- Hilo-Kailua (micropolitan): 210,043 (July 1, 2025 estimate)
Source: Metropolitan and Micropolitan Statistical Area population estimates, Vintage 2025 (cbsa-est2025-alldata), U.S. Census Bureau.
Consent records for Hawaii car accident leads
Every Hawaii car accident lead carries the consumer's TCPATCPAThe Telephone Consumer Protection Act, the federal law that governs telemarketing calls and texts, autodialers, prerecorded voice messages and the Do Not Call Registry. Glossary consent record. Hawaii's telemarketing rules have their own row in the state telemarketing laws table, and the combined page on leads in Hawaii covers MVA and home improvement buying in the islands.
Hawaii car accident lead questions
How much PIP coverage does a Hawaii auto policy include?
The Hawaii Insurance Division (as of October 2026) lists $10,000 per person in personal injury protection benefits, with $20,000 per person and $40,000 per accident in bodily injury liability.
What PIP amount opens a tort claim in Hawaii?
One exception in HRS 431:10C-306(b)(4) applies when a person has incurred $5,000 in PIP benefits, as the Hawaii Supreme Court explained in Mobley v. Kimura (2020). This is general information, not legal advice.
Can a buyer take Hawaii car accident leads from one island only?
Yes. Filters work at the ZIP code level, so a buyer can limit delivery to Oahu, Maui, the island of Hawaii or Kauai ZIP codes. Leads are exclusive by default, with shared delivery on request.
Request Hawaii car accident leads
Email us the Hawaii ZIP codes you cover, your daily volume or caps and how you take delivery. ReturnReturnA buyer's request for credit on a lead that fails agreed standards, such as a disconnected number, a duplicate or a lead outside the filters. Glossary terms are agreed on the onboarding call, before you go live.
Start small, with no long-term commitment
- No long-term contract. Pause or stop at any time.
- No setup fee and no monthly fee. You pay only for leads delivered that match your filters.
- Start with a small test volume and scale when the numbers work.
- MVA and home improvement leads are exclusive by default: each lead is sold to one buyer.
- Return terms are agreed on the onboarding call, before you go live.
Or write to team@summitleads.ai. We reply by email.
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