reglab/housing_qa huggingface dataset:
HI Rev Stat § 287-25 (2021)
2021 Hawaii Revised Statutes|Title 17. Motor and Other Vehicles|287. Motor Vehicle Safety Responsibility Act|287-25 Owner's policy requirements.

 §287-25 Owner's policy requirements. An owner's policy of liability insurance:  (1) Shall designate by explicit description or by appropriate reference all motor vehicles with respect to which coverage is thereby to be granted;  (2) Shall insure the person named therein and any other person, as insured, using any such motor vehicle or motor vehicles with the express or implied permission of the named insured, against loss from the liability imposed by law for damages arising out of the ownership, maintenance, or use of the motor vehicle or motor vehicles within the State and such other places as the policy provides, subject to limits exclusive of interest and costs, with respect to each such motor vehicle, as follows: $10,000 because of bodily injury to or death of one person in any one accident, and subject to such limit for one person, $20,000 because of bodily injury to or death of two or more persons in any one accident, and $5,000 because of injury to or destruction of property of others in any one accident. [L 1949, c 393, pt of §1; RL 1955, §160-103; am L 1963, c 98, §1; HRS §287-25] Cross References  Policy coverage: motorcycles and motor scooters, see §431:10G-301; motor vehicles (no-fault law), see §431:10C-301. Case Notes  Initial permission rule, discussed. 901 F.2d 765 (1990).  Insurance omnibus clause protects insured, uninsured permittee-driver, and injured. 50 H. 212, 437 P.2d 99 (1968).  Requirement as to coverage of persons using with permission, construed. 50 H. 212, 437 P.2d 99 (1968).  Where terms of insurance policy are in conflict with statute, latter takes precedence. 50 H. 212, 437 P.2d 99 (1968).  Omnibus clause coverage is limited by §287-24 to certified policies. 52 H. 80, 470 P.2d 521 (1970).  Defendant was not a permissive user of insured vehicle and was therefore not a "covered person" under insurance contract. 78 H. 249, 891 P.2d 1041 (1995).
HI Rev Stat § 287-26 (2021)
2021 Hawaii Revised Statutes|Title 17. Motor and Other Vehicles|287. Motor Vehicle Safety Responsibility Act|287-26 Driver's policy requirements.

 §287-26 Driver's policy requirements. A driver's policy of liability insurance shall insure the person named as insured therein against loss from the liability imposed upon the person by law for damages arising out of the use by the person of any motor vehicle not owned by the person, within the same territorial limits and subject to the same limits of liability as are set forth above with respect to an owner's policy of liability insurance. [L 1949, c 393, pt of §1; RL 1955, §160-104; HRS §287-26; am L 1970, c 164, §3; gen ch 1985]
HI Rev Stat § 287-27 (2021)
2021 Hawaii Revised Statutes|Title 17. Motor and Other Vehicles|287. Motor Vehicle Safety Responsibility Act|287-27 Contents of motor vehicle liability policy.

 §287-27 Contents of motor vehicle liability policy. Every motor vehicle liability policy shall state the name and address of the named insured, the coverage afforded by the policy, the premium charged therefor, the policy period, and the limits of liability, and shall contain an agreement or be endorsed that insurance is provided thereunder in accordance with the coverage defined in this chapter as respects bodily injury and death or property damage, or both, and is subject to all the provisions of this chapter. [L 1949, c 393, pt of §1; RL 1955, §160-105; HRS §287-27]
HI Rev Stat § 287-28 (2021)
2021 Hawaii Revised Statutes|Title 17. Motor and Other Vehicles|287. Motor Vehicle Safety Responsibility Act|287-28 Liabilities which need not be covered.

 §287-28 Liabilities which need not be covered. A motor vehicle liability policy need not insure any liability under chapter 386 relating to workers' compensation nor any liability on account of bodily injury to or death of an employee of the insured while engaged in the employment, other than domestic, of the insured, or while engaged in the operation, maintenance, or repair of any such motor vehicle nor any liability for damage to property owned by, rented to, in charge of, or transported by the insured. [L 1949, c 393, pt of §1; RL 1955, §160-106; HRS §287-28; am L 1975, c 41, §1]
HI Rev Stat § 287-29 (2021)
2021 Hawaii Revised Statutes|Title 17. Motor and Other Vehicles|287. Motor Vehicle Safety Responsibility Act|287-29 General provisions governing liability policies.

 §287-29 General provisions governing liability policies. Every motor vehicle liability policy shall be subject to the following provisions which need not be contained therein:  (1) The liability of the insurance carrier with respect to the insurance required by this chapter shall become absolute whenever injury or damage covered by the motor vehicle liability policy occurs; the policy may not be canceled or annulled as to such liability by any agreement between the insurance carrier and the insured after the occurrence of the injury or damage; no statement made by the insured or on the insured's behalf and no violation of the policy shall defeat or void the policy;  (2) The satisfaction by the insured of a judgment for such injury or damage shall not be a condition precedent to the right or duty of the insurance carrier to make payment on account of such injury or damage;  (3) The insurance carrier shall have the right to settle any claim covered by the policy, and if the settlement is made in good faith, the amount thereof shall be deductible from the limits of liability specified in section 287-25(2);  (4) The policy, the written application therefor, if any, and any rider or endorsement which does not conflict with this chapter shall constitute the entire contract between the parties. [L 1949, c 393, pt of §1; RL 1955, §160-107; HRS §287-29; gen ch 1985] Case Notes  It is not mandatory to obtain an automobile liability policy. 146 F. Supp. 729 (1956).
HI Rev Stat § 287-30 (2021)
2021 Hawaii Revised Statutes|Title 17. Motor and Other Vehicles|287. Motor Vehicle Safety Responsibility Act|287-30 Excess coverage permitted.

 §287-30 Excess coverage permitted. Any policy which grants the coverage required for a motor vehicle liability policy may also grant any lawful coverage in excess of or in addition to the coverage specified for a motor vehicle liability policy and the excess or additional coverage shall not be subject to this chapter. With respect to a policy which grants such excess or additional coverage the term "motor vehicle liability policy" shall apply only to that part of the coverage which is required by this chapter. [L 1949, c 393, pt of §1; RL 1955, §160-108; HRS §287-30]
HI Rev Stat § 287-31 (2021)
2021 Hawaii Revised Statutes|Title 17. Motor and Other Vehicles|287. Motor Vehicle Safety Responsibility Act|287-31 Reimbursement of insurer; proration of insurance.

 §287-31 Reimbursement of insurer; proration of insurance. Any motor vehicle liability policy may provide that the insured shall reimburse the insurance carrier for any payment the insurance carrier would not have been obligated to make under the terms of the policy except for this chapter.  Any motor vehicle liability policy may provide for the prorating of the insurance thereunder with other valid and collectible insurance. [L 1949, c 393, pt of §1; RL 1955, §160-109; HRS §287-31]
HI Rev Stat § 287-32 (2021)
2021 Hawaii Revised Statutes|Title 17. Motor and Other Vehicles|287. Motor Vehicle Safety Responsibility Act|287-32 Combining policies and issuing binders to meet requirements.

 §287-32 Combining policies and issuing binders to meet requirements. The requirements for a motor vehicle liability policy may be fulfilled by the policies of one or more insurance carriers which policies together meet such requirements.  Any binder issued pending the issuance of a motor vehicle liability policy shall be deemed to fulfill the requirements for such a policy. [L 1949, c 393, pt of §1; RL 1955, §160-110; HRS §287-32]
HI Rev Stat § 287-33 (2021)
2021 Hawaii Revised Statutes|Title 17. Motor and Other Vehicles|287. Motor Vehicle Safety Responsibility Act|287-33 Notice of cancellation or termination of certified policy.

 §287-33 Notice of cancellation or termination of certified policy. When an insurance carrier has certified a motor vehicle liability policy under section 287-22 or a policy under section 287-23, the insurance so certified shall not be canceled or terminated until at least ten days after a notice of cancellation or termination of the insurance so certified is filed in the office of the administrator, except that such a policy subsequently procured and certified shall, on the effective date of its certification, terminate the insurance previously certified with respect to any motor vehicle designated in both certificates. [L 1949, c 393, pt of §1; RL 1955, §160-111; HRS §287-33; am L 1980, c 84, pt of §1]
HI Rev Stat § 287-34 (2021)
2021 Hawaii Revised Statutes|Title 17. Motor and Other Vehicles|287. Motor Vehicle Safety Responsibility Act|287-34 Chapter not to affect other policies.

 §287-34 Chapter not to affect other policies. (a) This chapter shall not be held to apply to or affect policies of automobile insurance against liability which may now or hereafter be required by any other law of this State, and such policies, if they contain an agreement or are endorsed to conform to the requirements of this chapter, may be certified as proof of financial responsibility under this chapter.  (b) This chapter shall not be held to apply to or affect policies insuring solely the insured named in the policy against liability resulting from the maintenance or use by persons in the insured's employ or on the insured's behalf of motor vehicles not owned by the insured. [L 1949, c 393, pt of §1; RL 1955, §160-112; HRS §287-34; gen ch 1985] Cross References  No-fault law, see article 10C of chapter 431.
HI Rev Stat § 287-35 (2021)
2021 Hawaii Revised Statutes|Title 17. Motor and Other Vehicles|287. Motor Vehicle Safety Responsibility Act|287-35 Bond as proof.

 §287-35 Bond as proof. (a) Proof of financial responsibility may be evidenced by the bond of a surety company duly authorized to transact business within the State, or a bond with at least two individual sureties each owning real estate within the State, and together having equities equal in value to at least twice the amount of the bond, which real estate shall be scheduled in the bond approved by the insurance commissioner, which bond shall be conditioned for payment of the amounts specified in section 294-10(a). The bond shall be filed with the administrator and shall not be cancelable except after ten days' written notice to the administrator. The bond shall constitute a lien in favor of the State upon the real estate so scheduled of any surety, which lien shall exist in favor of any holder of a final judgment against the person who has filed the bond, for damages, including damages for care and loss of services, because of bodily injury to or death of any person, or for damages because of injury to or destruction of property, including the loss of use thereof, resulting from the ownership, maintenance, use, or operation of a motor vehicle after the bond was filed upon the filing of notice to that effect and the filing of a certified copy of the final judgment in the office of the registrar of conveyances.  (b) If such a judgment, rendered against the principal on the bond is not satisfied within sixty days after it has become final, the judgment creditor may, for the judgment creditor's own use and benefit and at the judgment creditor's sole expense, bring an action or actions in the name of the State against the company or persons executing the bond, including an action or proceeding to foreclose any lien that may exist upon the real estate of a person who has executed the bond, such action to conform as near as may be with the procedure for the foreclosure of mortgages. [L 1949, c 393, pt of §1; RL 1955, §160-113; HRS §287-35; am L 1980, c 84, pt of §1; gen ch 1985; am L 1986, c 339, §33] Note  Section 294-10(a) referred to in text is repealed. For present provision, see §431:10C-301.
HI Rev Stat § 287-36 (2021)
2021 Hawaii Revised Statutes|Title 17. Motor and Other Vehicles|287. Motor Vehicle Safety Responsibility Act|287-36 Money or bonds as proof.

 §287-36 Money or bonds as proof. (a) Proof of financial responsibility may be evidenced by the certificate of the administrator that the person named therein has deposited with the administrator $25,000 in cash or bonds. The administrator shall not accept any such deposit and issue a certificate therefor unless accompanied by evidence that there are no unsatisfied judgments of any character against the depositor in the county where the depositor resides.  (b) The deposit shall be held by the administrator to satisfy, in accordance with this chapter any execution on a judgment issued against such person making the deposit, for damages, including damages for care and loss of services, because of bodily injury to or death of any person, or for damages because of injury to or destruction of property, including the loss of use thereof, resulting from the ownership, maintenance, use, or operation of a motor vehicle after the deposit was made. Money or bonds so deposited shall not be subject to attachment or execution unless the attachment or execution arises out of a suit for damages as aforesaid. [L 1949, c 393, pt of §1; RL 1955, §160-114; am L Sp 1959 2d, c 1, §14; am L 1963, c 98, §1 and c 114, §1; HRS §287-36; am L 1980, c 84, pt of §1; gen ch 1985; am L 1992, c 120, §1; am L 1993, c 6, §10]
HI Rev Stat § 287-37 (2021)
2021 Hawaii Revised Statutes|Title 17. Motor and Other Vehicles|287. Motor Vehicle Safety Responsibility Act|287-37 Owner may give proof for others.

 §287-37 Owner may give proof for others. Whenever any person required to give proof of financial responsibility hereunder is or later becomes a driver in the employ of any owner, or is or later becomes a member of the immediate family or household of the owner, the administrator shall accept proof given by the owner in lieu of proof by the other person to permit the other person to operate a motor vehicle for which the owner has given proof as herein provided. The administrator shall designate the restrictions imposed by this section on the face of such person's license. [L 1949, c 393, pt of §1; RL 1955, §160-115; HRS §287-37; am L 1970, c 164, §3; am L 1980, c 84, pt of §1]
HI Rev Stat § 287-38 (2021)
2021 Hawaii Revised Statutes|Title 17. Motor and Other Vehicles|287. Motor Vehicle Safety Responsibility Act|287-38 Substitution of proof.

 §287-38 Substitution of proof. The administrator shall consent to the cancellation of any bond or certificate of insurance or the administrator shall return any money or securities to the person entitled thereto upon the substitution and acceptance of other adequate proof of financial responsibility pursuant to this chapter. [L 1949, c 393, pt of §1; RL 1955, §160-116; am L Sp 1959 2d, c 1, §14; am L 1963, c 114, §1; HRS §287-38; am L 1980, c 84, pt of §1; am L 1992, c 120, §2]
HI Rev Stat § 287-39 (2021)
2021 Hawaii Revised Statutes|Title 17. Motor and Other Vehicles|287. Motor Vehicle Safety Responsibility Act|287-39 Other proof may be required.

 §287-39 Other proof may be required. Whenever any proof of financial responsibility filed under this chapter no longer fulfills the purposes for which required, the administrator shall, for the purpose of this chapter, require other proof as required by this chapter and shall suspend the license and registration or the nonresident's operating privilege pending the filing of such other proof. [L 1949, c 393, pt of §1; RL 1955, §160-117; HRS §287-39; am L 1980, c 84, pt of §1]
HI Rev Stat § 287-40 (2021)
2021 Hawaii Revised Statutes|Title 17. Motor and Other Vehicles|287. Motor Vehicle Safety Responsibility Act|287-40 Duration of proof; when proof may be canceled or returned.

  §287-40 Duration of proof; when proof may be canceled or returned. (a) Upon request, the administrator shall consent to the immediate cancellation of any bond or certificate of insurance, return to the person entitled thereto any money or bonds deposited pursuant to this chapter as proof of financial responsibility, or waive the requirement of filing proof, in any of the following events:  (1) At any time after three years from the date the proof was required when, during the three-year period preceding the request, the administrator has not received record of a conviction that would require or permit the suspension or revocation of the license or nonresident's operating privilege of the person by or for whom the proof was furnished;  (2) In the event of the death of the person on whose behalf the proof was filed or the permanent incapacity of the person to operate a motor vehicle; and  (3) If the person who has given proof surrenders the person's license to the administrator.  (b) Notwithstanding subsection (a), the administrator shall not consent to the cancellation of any bond or the return of any money or bonds if any action for damages upon a liability covered by the proof is then pending or any judgment upon any such liability is then unsatisfied, or if within one year immediately preceding the request the person who has filed the bond or deposited the money or bonds has been involved as a driver or owner in any motor vehicle accident resulting in injury or damage to the person or property of others. An affidavit of the applicant as to the nonexistence of such facts, or that the applicant has been released from all of the applicant's liability, or has been finally adjudicated not to be liable, for the injury or damage, shall be sufficient evidence thereof in the absence of evidence to the contrary in the records of the administrator.  (c) Whenever any person whose proof has been canceled or returned under subsection (a)(3) applies for a license or registration within a period of three years from the date proof was originally required, the application shall be refused unless the applicant reestablishes the proof for the remainder of the three-year period. [L 1949, c 393, pt of §1; RL 1955, §160-118; am L Sp 1959 2d, c 1, §14; am L 1963, c 114, §1; HRS §287-40; am L 1970, c 164, §3; am L 1980, c 84, pt of §1; gen ch 1985; am L 1992, c 120, §3; am L 1993, c 6, §11; am L 2020, c 70, §37]
HI Rev Stat § 287-41 (2021)
2021 Hawaii Revised Statutes|Title 17. Motor and Other Vehicles|287. Motor Vehicle Safety Responsibility Act|287-41 Surrender of license on violation.

 §287-41 Surrender of license on violation. Any person whose license has been suspended as herein provided, or whose policy of insurance or bond, when required under this chapter, has been canceled or terminated, or who neglects to furnish other proof upon request of the administrator shall immediately surrender the person's license to the administrator. If any person fails to surrender to the administrator the license as provided herein, the administrator shall forthwith direct any police or other peace officer to secure possession thereof and return the same to the administrator. [L 1949, c 393, pt of §1; RL 1955, §160-119; HRS §287-41; am L 1980, c 84, pt of §1; gen ch 1985]
HI Rev Stat § 287-42 (2021)
2021 Hawaii Revised Statutes|Title 17. Motor and Other Vehicles|287. Motor Vehicle Safety Responsibility Act|287-42 Self-insurers.

 §287-42 Self-insurers. (a) Any person in whose name more than twenty-five motor vehicles are registered may qualify as a self-insurer by obtaining a certificate of self-insurance issued by the administrator as provided in subsection (b) of this section.  (b) The administrator may, in the administrator's discretion, upon the application of such a person, issue a certificate of self-insurance when the administrator is satisfied that the person is possessed and will continue to be possessed of ability to pay judgments obtained against such person.  (c) Upon not less than five days' notice and a hearing pursuant to the notice, the administrator may upon reasonable grounds cancel a certificate of self-insurance. Failure to pay any judgment within thirty days after the judgment has become final shall constitute a reasonable ground for the cancellation of a certificate of self-insurance. [L 1949, c 393, pt of §1; RL 1955, §160-120; HRS §287-42; am L 1980, c 84, pt of §1; gen ch 1985]
HI Rev Stat § 287-43 (2021)
2021 Hawaii Revised Statutes|Title 17. Motor and Other Vehicles|287. Motor Vehicle Safety Responsibility Act|287-43 Assigned risk plans.

 §287-43 Assigned risk plans. The insurance commissioner may approve any reasonable plan for the equitable apportionment among insurance companies authorized to issue automobile liability policies in the State of applicants for such policies and for motor vehicle liability policies who are in good faith entitled to but are unable to procure such policies through ordinary methods. When any such plan has been approved after consultation with the insurance companies all insurance companies authorized to do business in the State shall subscribe thereto and participate therein. Any applicant for any such policy, any policy insured under any such plan, and any insurance company affected may appeal to the insurance commissioner from any ruling or decision of the manager or committee designated under the plan to operate the plan. Any person aggrieved by any order or act of the insurance commissioner may file an appeal therefrom either in the office of the clerk of the circuit court of the first circuit, or if the appellant is a resident of any other circuit, either in the first circuit or in the circuit in which the appellant resides within thirty days after the effective date of the order or act in the same manner as is provided in section 287-2. The insurance commissioner shall transmit to the clerk of the court the papers referred to in section 287-2 and the attorney general shall render assistance to the insurance commissioner upon the insurance commissioner's request. [L 1949, c 393, pt of §1; RL 1955, §160-121; HRS §287-43; gen ch 1985]
HI Rev Stat § 287-44 (2021)
2021 Hawaii Revised Statutes|Title 17. Motor and Other Vehicles|287. Motor Vehicle Safety Responsibility Act|287-44 Penalties.

 §287-44 Penalties. (a) Any person convicted of a violation of section 287-41 shall be fined not more than $1,000 or imprisoned not more than one year, or both. Any person convicted of a violation of any other section in this chapter shall be fined not more than $1,000.  (b) The administrator shall have the right to suspend the license of any person failing to make any report required hereunder until the report has been filed and for such further period not to exceed thirty days as the administrator may fix.  (c) Any person who gives information required in a report or otherwise as provided for in section 287-4, knowing or having reason to believe that the information is false, or who forges or, without authority, signs any evidence of proof of financial responsibility, or who files or offers for filing any such evidence of proof knowing or having reason to believe that it is forged or signed without authority, shall be fined not more than $1,000 or imprisoned not more than one year, or both.  (d) Any person whose license has been suspended or revoked under this chapter and who during the suspension or revocation drives any motor vehicle upon any highway or knowingly permits any motor vehicle to be operated by another upon any highway except as permitted under this chapter shall be fined not more than $500 or imprisoned not more than six months, or both.  (e) Any person failing to surrender the person's license as required by section 287-41 shall be fined not more than $500 or imprisoned not more than six months, or both. [L 1949, c 393, pt of §1; RL 1955, §160-122; HRS §287-44; am L 1980, c 84, pt of §1; gen ch 1985; am L 1993, c 214, §10]