Why You Should Purchase Optional Uninsured/Underinsured Motorist Coverage

What is Uninsured/Underinsured Motorist Coverage?

Under Hawaii law, each auto insurance policy must include liability coverage of at least $20,000/person, $40,000/accident. Your liability coverage pays damages to others resulting from your covered negligence. Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage is essentially the “mirror image” of liability coverage. UM/UIM coverage protects you, other people named as insured under your policy, and your resident relatives from the negligence of others.

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Robert Klein
Why You Should Consider Buying More No-fault PIP Coverage

If you have automobile insurance in Hawaii, you probably know that Hawaii law requires you to carry a minimum of $10,000 in no-fault personal injury protection (“PIP”) coverage. PIP is optional on motorcycle policies. If your budget will allow, there are several reasons why you should consider increasing your PIP coverage.

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Robert Klein
Why contingent fees in injury cases benefit clients

Personal injury cases are torts—wrongful acts, whether intentional or accidental, that result in an injury to another person. Attorney fees in tort cases are usually incurred on a contingency basis. That means the attorney fees, which are usually a percentage amount, are paid out of any settlement, judgment, or award achieved by the lawyer for the client. If there is no recovery, no attorney fees are owed. This arrangement offers peace of mind to the client, reflects the investment an attorney necessarily makes in a tort case, and ultimately results in a fair apportionment of any recovery obtained.

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Robert Klein