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Daniel T. Pagliarini Attorney at Law July 15, 2021

HJUP May Cover Passengers in Uninsured Car Accidents

When you have been injured in a car accident, your first thoughts usually center on getting needed medical treatment. Soon after, you might begin to worry about how you will pay for it – especially if you were riding in a car with an uninsured driver.

You need the experience of Attorney Daniel T. Pagliarini to seek compensation for you through the Insurance Division of the State of Hawaii Department of Commerce and Consumer Affairs.

What Is the Hawaii Joint Underwriting Plan?

The Hawaii Joint Underwriting Plan (HJUP) is a state program in which all Hawaii motor vehicle insurers participate. This risk-pooling program insures drivers who are unable to secure insurance from a licensed company or have multiple accidents or traffic convictions. HJUP offers the same kind of coverage provided to other drivers, but costs more because of their high-risk status. These drivers can apply for the program through any agent of an insurance company licensed to sell motor vehicle insurance in the state.

Drivers eligible for HJUP include the following:

  • Those whose license has been suspended or revoked within the last three years

  • Drivers involved in two or more accidents resulting in bodily injury or more than $1,000 of property damage in the last three years

  • Drivers on public assistance or who are permanently disabled

  • Drivers who have been denied the minimum auto coverage required by Hawaii laws

Can HJUP Cover Passengers?

Hawaii insurance law requires all drivers to have auto insurance to drive legally in the state. Like any other mandate, this requirement is not always followed. HJUP also provides an avenue for financial recompense for any passenger injured in a car accident when an uninsured driver is behind the wheel.

If you sought medical treatment from injuries sustained as a passenger in an uninsured car accident, you have options best guided by a skilled lawyer. Attorney Daniel T. Pagliarini knows the finer points of HJUP to argue before the Insurance Division for your deserved compensation.

Through HJUP, you may qualify for the following:

  • $10,000 Personal Injury Protection (PIP)

  • $20,000 Residual Bodily Injury (RBI)

This coverage can help pay for medical bills, physical therapy, lost wages, and more.

Don’t Delay Seeking Medical Treatment or Legal Counsel

It is common for car accident victims to postpone medical treatment when they are unsure how they will pay the bill. Taking no action is not in your best interest. Doing this will not only delay your healing but also hurt your chances of receiving damages. Also important to remember is that Hawaii has a two-year statute of limitations on car accident claims. All car accident injuries are not immediately apparent, but you are still limited on the amount of time you have to make a claim.

If you have been injured in a car accident in Hawaii, call the car accident lawyer with a "10/10" Superb Rating by Avvo. Contact Daniel T. Pagliarini Attorney at Law or contact the firm online to schedule a free consultation.


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