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Before we chat further on the same, it is essential to know some necessity as per the state law with the reference to Hawaii Insurance Coverage.
Therefore one has to keep some of these things in wits
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Hawaii state law requires minimum Bodily Injury Liability limits of $20,000 per injured person up to a total of $40,000 per accident, and Property Damage Liability coverage with a minimum limit of $10,000. This basic coverage is often referred to as 20/40/10 coverage.
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