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  2. Hawaii
  3. Personal Lines
  4. Insurance Regulation

Free Insurance Regulation Practice Questions

Hawaii Personal Lines exam — 24 practice questions.

Subtopics: No-fault system, PIP minimum, Minimum liability limits, UM/UIM rejection, Tort threshold, Comparative negligence, Proof of insurance, Penalty for no insurance, Guaranty association, Adjuster licensing, Cancellation notice, Rate filing, Surplus lines, Unfair claims practices, Residual auto market, Fraud, Fair Credit Reporting Act, Gramm-Leach-Bliley, Fraud and false statements, Do Not Call, Terrorism Risk Insurance Act, McCarran-Ferguson Act, Anti-money laundering, CAN-SPAM Act

Read the Insurance Regulation study guide

Sample questions & answers

1. Hawaii's automobile insurance system is best described as:

A no-fault system that requires personal injury protection

Hawaii is a no-fault auto state in which each driver's own PIP pays for injuries up to its limit regardless of fault.

2. Hawaii law requires every motor vehicle policy to include personal injury protection (PIP) of at least (verify):

$10,000 per person

Hawaii requires at least $10,000 of PIP per person for medical and rehabilitative costs regardless of fault; verify current figures.

3. As of 2026, Hawaii increased its minimum motor vehicle liability limits to (verify):

40/80/20

Effective January 1, 2026, Hawaii's minimum liability limits rose to 40/80/20, replacing the longstanding 20/40/10; verify current law.

4. To reject uninsured or underinsured motorist coverage in Hawaii, the insured generally must:

Reject the coverage in writing

Hawaii requires a written rejection to waive otherwise available uninsured/underinsured motorist coverage.

All Personal Lines topics

Practice: Insurance Regulation

Take a randomized, timed-style practice test. Answer choices are shuffled and your results are scored instantly with an explanation for every question.

Practice questions are study aids generated for exam preparation and are not actual exam questions. Content is provided for educational purposes and is not legal advice. Verify current statutes, rules, and exam specifications with the Insurance Department and the exam administrator before relying on it.