Hawaii is a no-fault state, which means that after a car accident, your own insurance company pays your initial medical bills through Personal Injury Protection (PIP) coverage, regardless of who caused the crash. However, many people misunderstand this system and believe fault does not matter, which is incorrect. David W. Barlow, Hawaii auto accident injury lawyer, helps injured clients understand that once the $5,000 tort threshold is met or serious injuries occur, they may pursue additional compensation from the at-fault driver for pain and suffering, lost wages, and long-term damages.