Hawaii: No-fault insurance Practice Test
Hawaii's mandatory motor vehicle insurance, minimum coverages, crash reports and when you can sue.
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Questions are original and based on the official manual "Hawaii Driver's Manual" (2023), Hawaii Department of Transportation.
All 20 questions in this practice test
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Besides certain drivers in crashes, who is affected by the Motor Vehicle Safety Responsibility Law?
- All persons convicted by court of certain offenses involving vehicles
- All persons who have never owned or registered a vehicle in the State
- Only drivers who are 18 years old or younger when convicted
- Only owners of trucks and buses that are used to carry goods
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Correct answer: All persons convicted by court of certain offenses involving vehicles
The law affects drivers in certain crashes and all persons convicted by court of certain offenses involving vehicles.
Source: Hawaii Driver's Manual (2023), page 53 · Open this page in the manual (Manual page 53)
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After a crash covered by the Safety Responsibility Law, which form must you file as evidence of insurance?
- Form SR-22
- Form SR-1
- Form SR-30
- Form SR-21
Show answer
Correct answer: Form SR-21
After the crash you file evidence of insurance on Form SR-21.
Source: Hawaii Driver's Manual (2023), page 53 · Open this page in the manual (Manual page 53)
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Upon conviction of certain offenses involving vehicles, which form must you file as evidence of insurance?
- Form SR-21
- Form SR-22
- Form SR-2
- Form SR-10
Show answer
Correct answer: Form SR-22
Upon conviction you file evidence of insurance on Form SR-22.
Source: Hawaii Driver's Manual (2023), page 53 · Open this page in the manual (Manual page 53)
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For how long must you maintain proof of financial responsibility after a conviction for certain offenses involving vehicles?
- Three years from the conviction date
- One year from the conviction date
- Five years from the date of the crash
- Six months from the conviction date
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Correct answer: Three years from the conviction date
You must file and maintain proof of financial responsibility for three years from the conviction date.
Source: Hawaii Driver's Manual (2023), page 53 · Open this page in the manual (Manual page 53)
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What is the penalty for not complying with the Motor Vehicle Safety Responsibility Law?
- Your vehicle will be impounded
- You must retake the driving test at once
- Your driver's license will be suspended
- Your registration is cancelled for one year
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Correct answer: Your driver's license will be suspended
The manual states the penalty for non-compliance is suspension of the driver's license.
Source: Hawaii Driver's Manual (2023), page 53 · Open this page in the manual (Manual page 53)
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After a crash covered by the Safety Responsibility Law, to whom must you report it?
- The Police Department only, not the insurer
- The Police Department and your insurance company
- Your insurance company only, after the crash
- The county examiner of drivers only, by mail
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Correct answer: The Police Department and your insurance company
You report the crash to the Police Department and insurance company and file evidence of insurance.
Source: Hawaii Driver's Manual (2023), page 53 · Open this page in the manual (Manual page 53)
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Who must have motor vehicle insurance in order to register or operate a vehicle in the State?
- Only owners of vehicles used for business
- Only drivers who have been in a crash
- Only owners of vehicles more than five years old
- Every owner of a car, bus or truck
Show answer
Correct answer: Every owner of a car, bus or truck
Every owner of a car, bus or truck must have motor vehicle insurance to register or operate a vehicle in the State.
Source: Hawaii Driver's Manual (2023), page 54 · Open this page in the manual (Manual page 54)
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The minimum mandatory basic benefits cover medical and rehabilitative expenses of up to how much per person?
- $5,000
- $20,000
- $10,000
- $40,000
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Correct answer: $10,000
The basic benefits include up to $10,000 per person for medical and rehabilitative expenses.
Source: Hawaii Driver's Manual (2023), page 54 · Open this page in the manual (Manual page 54)
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What is the minimum mandatory liability coverage for bodily injury per person?
- $20,000
- $10,000
- $40,000
- $50,000
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Correct answer: $20,000
The mandatory liability coverage is $20,000 per person for bodily injury.
Source: Hawaii Driver's Manual (2023), page 54 · Open this page in the manual (Manual page 54)
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What is the aggregate limit per accident of the minimum mandatory bodily injury liability coverage?
- $20,000
- $30,000
- $100,000
- $40,000
Show answer
Correct answer: $40,000
The liability coverage has an aggregate limit of $40,000 per accident for bodily injury.
Source: Hawaii Driver's Manual (2023), page 54 · Open this page in the manual (Manual page 54)
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What is the minimum mandatory property damage liability coverage per accident?
- $3,000
- $10,000
- $5,000
- $20,000
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Correct answer: $10,000
The manual lists $10,000 for property damage per accident.
Source: Hawaii Driver's Manual (2023), page 54 · Open this page in the manual (Manual page 54)
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What does the manual say about damage to your own car under the minimum mandatory coverages?
- It is not covered unless you have additional insurance coverage
- It is covered up to the property damage limit of the policy
- It is covered only if the other driver is found to be at fault
- It is covered only when the repair cost exceeds $5,000 in total
Show answer
Correct answer: It is not covered unless you have additional insurance coverage
Damage to your own car is not covered unless you have additional insurance coverage.
Source: Hawaii Driver's Manual (2023), page 54 · Open this page in the manual (Manual page 54)
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When can you sue or be sued for recovery of property damage?
- Only if medical bills exceed $5,000
- Only within thirty days of the crash
- At any time
- Only if the injury results in death
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Correct answer: At any time
You can sue or be sued for recovery of property damage at any time.
Source: Hawaii Driver's Manual (2023), page 54 · Open this page in the manual (Manual page 54)
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You can sue or be sued for bodily injury only if the medical bills exceed what amount (or other stated conditions apply)?
- $1,000
- $5,000
- $3,000
- $10,000
Show answer
Correct answer: $5,000
Bodily injury suits require, among other conditions, that medical bills exceed $5,000.
Source: Hawaii Driver's Manual (2023), page 54 · Open this page in the manual (Manual page 54)
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Which of these allows a person to sue or be sued for bodily injury?
- The other driver was cited for a traffic violation at the scene of the crash
- The other driver had no motor vehicle insurance when the crash occurred
- The crash happened on a freeway or another high-speed roadway at night
- The injury causes the loss of use of a part or function of the body
Show answer
Correct answer: The injury causes the loss of use of a part or function of the body
A suit for bodily injury is allowed if the use of a part or function of the body is lost or permanent and serious disfigurement results.
Source: Hawaii Driver's Manual (2023), page 54 · Open this page in the manual (Manual page 54)
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What is the maximum fine for violating a provision of the motor vehicle insurance law?
- A fine not to exceed $500
- A fine not to exceed $1,000
- A fine not to exceed $5,000
- A fine not to exceed $10,000
Show answer
Correct answer: A fine not to exceed $5,000
The fine may not exceed $5,000, or the penalty may be thirty days imprisonment or other penalties.
Source: Hawaii Driver's Manual (2023), page 54 · Open this page in the manual (Manual page 54)
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What term of imprisonment may be imposed for violating the motor vehicle insurance law?
- Thirty days
- Ten days
- Sixty days
- One year
Show answer
Correct answer: Thirty days
The penalty can include thirty (30) days imprisonment.
Source: Hawaii Driver's Manual (2023), page 54 · Open this page in the manual (Manual page 54)
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How is each violation of the motor vehicle insurance law treated?
- As part of one single offense
- As a warning only on the first violation
- As an offense only after three violations
- As a separate offense
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Correct answer: As a separate offense
Each violation is deemed a separate offense.
Source: Hawaii Driver's Manual (2023), page 54 · Open this page in the manual (Manual page 54)
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Which of these may be a penalty for violating the motor vehicle insurance law?
- Permanent loss of the right to own any vehicle in the State
- Forfeiture of the motor vehicle certificate of registration
- A required vehicle re-inspection every month for one year
- Required attendance at a traffic school for one full year
Show answer
Correct answer: Forfeiture of the motor vehicle certificate of registration
Penalties include forfeiture of the motor vehicle certificate of registration.
Source: Hawaii Driver's Manual (2023), page 54 · Open this page in the manual (Manual page 54)
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To what standards must motorcycles be registered and insured?
- The same standards as an automobile
- Lower standards than an automobile
- Higher standards than an automobile
- No standards; they are exempt from both
Show answer
Correct answer: The same standards as an automobile
Motorcycles must be registered and insured to the same standards as an automobile.
Source: Hawaii Driver's Manual (2023), page 94 · Open this page in the manual (Manual page 94)