Hawaii’s no-fault insurance system often causes confusion because many people think it means fault does not matter after a car accident. In reality, the law simply requires every auto policy to include at least $10,000 in Personal Injury Protection (PIP) medical benefits. This coverage pays for initial treatment regardless of who caused the crash, ensuring injured people receive care immediately. However, fault still matters when pursuing compensation beyond PIP, such as pain and suffering or lost wages. An experienced Hawaii auto accident injury lawyer like David W. Barlow can help accident victims understand their rights and maximize recovery.