Every state preserves differing auto insurance laws. Most statesrequire drivers to have two forms of liability insurance: bodilyinjury and property damage. Hawaii auto insurance regulations areno different, requiring minimum liability limits of $20,000 perinjured person and a total of $40,000 per accident. The propertydamage minimum is $10,000. This is often referred to as 20/40/10coverage. Although their insurance laws are similar to the rest ofthe nation, their method of handling accidents is different. Hawaiioperates under a “no fault system” rather than a “tort system.”Most states have a tort system, which means someone must be found“At Fault” for the accident and that person and their insurancecompany are required to pay for all damages. In Hawaii, yourinsurance company will make paym