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Did you know that some of the most dangerous days of the year on our nation’s roadways are between Thanksgiving and New Year’s Day? According to the National Highway Traffic Safety Administration, from 2013 to 2017, more than 800 people died in alcohol-impaired crashes over the Thanksgiving weekend. With the holiday season quickly approaching, many look forward to gathering with friends and family. However, this year holidays may look and feel a little different, although some companies are stepping up to help.  For instance, Zoom is waiving their forty-minute limit for free meetings on Thanksgiving to help us all connect with family, while still staying safe.

What are your plans for the holidays? Will you be celebrating at home, visiting multiple people to drop off gifts, or meeting with loved ones virtually? No matter how you choose to spend your time, please keep safety as a top priority.

In the event of gathering with a small group of friends or family practice the following:

  • Gather in groups of five or less (it is currently the law in Hawai‘i);
  • Do not drink and drive – have a designated driver;
  • Always wear a mask around others, even family and friends (a revised mask mandate was issued last week).

We hope to see fewer cars on the road this year and look forward to celebrating in new ways.

Wishing you safe and Happy Holidays.

I Have Insurance, but Is That Enough?

Have you ever been in a motor vehicle accident, particularly when you were not deemed “at-fault?” If so, did you remember to exchange contact and insurance information with those involved? While it is relatively uncommon, there is a significant risk that the at-fault party failed to purchase enough insurance to cover the victim’s expenses, or were driving entirely uninsured. According to the most recent study conducted by the Insurance Research Council, in 2015, 13 percent of motorists, or about one in eight drivers are uninsured. The same study shows that 10.6 percent of Hawaii’s motorists drive uninsured.

What Is UM and UIM Coverage?

In Hawaii, drivers are required to have bodily injury, property damage, and personal injury protection (PIP) coverage. Uninsured motorist (UM) and underinsured motorist (UIM) coverage are optional types of protections that drivers may add on for a nominal fee. Covering yourself for UM/UIM situations is very important, although it is often misunderstood and sometimes overlooked. UM coverage protects you when the at-fault party does not carry auto liability insurance. UIM coverage kicks in when the responsible party does not have enough insurance coverage to fully pay your medical bills or car repair.

Why Is It Important to Have UM/UIM?

Although UM and UIM coverages are not legally required in Hawaii, it is highly recommended and extremely affordable. You are taking control of the unforeseen and protecting yourself from physical and financial harm caused by another drivers’ negligence. Furthermore, adding UM/UIM coverage to your policy is very affordable. It costs approximately five percent (5%) of your annual auto insurance premium (e.g. if your annual premium is $800, UM /UIM will be $40.) It is important to protect yourself and your loved ones against uninsured and underinsured motorists.