There is, but special interests keep killing it, at your expense.
Drivers pay at the pump automatically, rather than purchase individual insurance policies.
1 - Studies indicate that PAYD would cost us less than we are paying now, no matter how much we drive, or what kind of cars we own. 2 - PAYD would end the problem of uninsured drivers , about one out of every five drivers in Hawai'i. They not only put us at greater risk, but unfairly burden insured drivers with additional costs. And, as a true no-fault system, instead of wasting millions haggling in court, it would let us use the money to help accident victims. As for concerns over drivers with bad records, or higher transportation costs for goods coming to market, such issues can be dealt with in the way the system is structured and operates.