Hawaii
Your AI Accident Assistant for Hawaii.
We handle Hawaii property-damage claims end-to-end — body shop, rental, total loss, diminished value, loss-of-use, and recovery dollars.
How Hawaii treats your claim
- Total loss threshold
- Total Loss Formula (per-claim)
- Appraisal clause
- Available on request
- Diminished value (DV) recovery
- Recoverable
- Loss-of-use (extended rental)
- Recoverable as damages
- Statute of limitations
- 2 years
- Small claims cap
- $5,000
- Fault rule
- Modified 51% bar
- First-party PA license
- Not required for consumer DIY
Owner can choose.
HRS Chapter 431, Article 9 §§ 431:9-222, 431:9-223, 431:9-244 (Hawaii Insurance Adjusters; Article 9A REPEALED). HAR Title 16 implementing rules.
Dive deeper into Hawaii
What Claimoe does for Hawaii claims
- · Drafts every adjuster email for your approval, with Hawaii-specific language and citations.
- · Calculates your diminished value using the 17c framework.
- · Tracks the 60-day appraisal-clause window and invokes it on your behalf when appropriate.
- · Files loss-of-use extensions if your rental cap expires before repair completes.
- · Watches your case 24/7 and only pings you when you need to decide.
Other states we cover
Drafted by AI · Hawaii rules summarized for general information; not legal advice. We update each state as carriers and legislatures change. Source citations linked from your case dashboard.