Auto Insurance

"I would like to say thank you to Jessica, my DTRIC service representative. Her assistance in making the transition from my old vehicle to my new vehicle was greatly appreciated and her customer service skills were awesome.”

- Charles Watson,
DTRIC Customer

AUTO INSURANCE
DTRIC wants consumers to be informed about Hawaii’s motor vehicle law so they can make the right choices when purchasing an auto insurance policy. With DTRIC, you can rest assured that our goal is to help you design a policy that fits your specific needs while providing sufficient protection at a good value.

Hawaii’s Motor Vehicle Law
Hawaii’s motor vehicle law requires registered owners of vehicles to purchase and maintain minimum auto insurance and keep a current Motor Vehicle Insurance Identification Card in the vehicle at all times. The law also requires all drivers to operate a vehicle that is currently insured under a valid auto insurance policy.

Mandatory Auto Insurance Coverages

Coverage	What it Protects	Minimum Amount Required by Hawaii Law
Coverage	What it Protects	Minimum Amount Required by Hawaii Law
Personal Injury Protection (PIP)	Provides medical coverage for you, anyone else in your car and any pedestrians you may injure.	$10,000 each person
Bodily Injury Liability (BI)	Protects you for your legal liability for injuries you’ve caused to others.	$20,000 each person /$40,000 each occurrence
Property Damage Liability (PD)	Protects you for your legal liability for damage you’ve caused to the property of others (their car, fence, house, etc.).	$10,000 each occurrence
Property Damage Liability (PD)		$10,000 each occurrence

These are the coverages and their minimums needed to meet the requirements of Hawaii’s motor vehicle law. However, they may not be sufficient to protect you and your family if an accident should occur. Call a DTRIC representative or your agent for more information.

Optional Auto Insurance Coverages
Hawaii’s motor vehicle law also includes optional coverages. You can choose to purchase these coverages depending on your individual situation and needs:

	Coverage	What it Protects
	Coverage	What it Protects
	Uninsured Motorist Coverage (UM)	Protects you in a situation where you suffer injuries due to another driver’s negligence, but the other driver has no auto insurance.
	Underinsured Motorist Coverage (UIM)	Protects you in a situation where you suffer injuries due to another driver’s negligence, but the other driver’s insurance is not enough to cover your injuries.
	Alternative Expenses	Provides coverage for alternative provider services such as naturopathic, acupuncture and non-remedial care and treatment performed in accordance with the teachings, faith or belief of any group which relies upon spiritual means for healing.
	Additional Chiropractic Treatments	Provides coverage for alternative provider services such as naturopathic, acupuncture and non-remedial care and treatment performed in accordance with the teachings, faith or belief of any group which relies upon spiritual means for healing.
	Additional Chiropractic Treatments	Provides for up to 30 additional chiropractic treatments at no more than $75 per visit or treatment.
	Wage Loss Benefits	Provides benefits to an insured person when injuries resulting from an auto accident prevent him/her from performing the work he/she was doing before the accident.
	Death Benefits	Provides benefits to the surviving spouse and dependent children if an insured dies as a result of an auto accident.
	Funeral Expense Benefits	Provides up to $2000 to pay for funeral and burial expenses for an insured who dies as a result of an auto accident.
	Other than Collision Coverage (OTC) or Comprehensive Coverage	Pays for losses such as theft of your vehicle, and damages caused by fire, windstorm, vandalism, flood, etc.
	Collision Coverage	Pays for damages to your car when it is involved in any type of collision.
	Rental Reimbursement	Pays for vehicle rental expenses when there is a loss of use of your insured vehicle. Certain restrictions apply.
	Rental Reimbursement

INSURANCE DISCOUNTS [back to top]
As a DTRIC customer, you can count on getting the coverage you need at competitive rates with the personal attention you deserve. To ensure you get a great value, our experienced insurance representatives will look for ways to save you money. For example, we offer discounts for safe driving, multiple cars and continuous coverage. You can also save up to 35% off your home premium when we insure your car and home. This special discount is called the HomeAuto Advantage^SM. Here are examples of discounts that can help you save money:

•	Safe-Driving Discount. Save up to 20% if you have had no accidents or traffic violations in the past six years.
•	Multiple-Car Discount. Save up to 15% if you insure more than one vehicle on the same policy.
•	Continuous Coverage Discount. Save up to 20% if you have maintained continuous auto insurance with a valid carrier.
•	Low Mileage Discounts. Save up to 40% if you drive less than 10,000 miles in a year among all your insured cars on the same policy.
•	Passive Restraint Discount. Save up to 30% if your vehicle has passive restraint devices such as automatic seat belts and air bags.
•	Anti-Lock Brakes Discount. Save up to 5% if you have anti-lock brakes on all four wheels of your vehicle.
•	Anti-Theft Device Discount. Save up to 15% if your vehicle has an anti-theft device, such as an alarm.
•	Model Year Discount. Save up to 10% if you are insuring a qualified late-model year car.
•	Drivers-to-Vehicle Ratio Discount. Save up to 5% if you have a qualified ratio of drivers to vehicles insured on your policy.

PAYMENT PLANS [back to top]
DTRIC offers a variety of flexible payment plans to make paying your auto premiums affordable and easy. You have the option of making one full payment, two installments or monthly payments with automatic bank account deductions (ACH). You can select a payment plan that suits your individual needs:

•	One Pay. Make one payment that covers the entire premium for your policy.
•	Two Pay. This payment plan allows you to split your payments into two equal installments. The first installment requires a minimum 50% down payment of the premium that is due on the effective date of the policy. The remaining premium balance is due 60 days following the policy effective date for six-month policies. For 12-month policies, the remaining premium balance is due 150 days following the policy effective date.
•	Four Pay.This payment plan is for six-month policies and allows you to split your payments into four installments. The first installment requires a minimum 25% down payment of the premium that is due on the effective date of the policy. The remaining premium balance is divided among the three remaining payment installments. There is a $4 service fee added to the second, third and fourth installments. There is no fee with the down payment.
•	Automatic Bank Account Deductions (ACH). Monthly deductions are automatically taken from your checking or savings account on the second business day of the month. This plan is only available for 12-month policies.
•	Payroll Deduction. This payment plan is available exclusively to Hawaii Government Employees Association (HGEA) and United Public Workers (UPW) members. Deductions are automatically taken from your payroll check. This plan is only available for 12-month policies.

Note: Changes to payment plans can only be made during renewals.

Accepted Forms of Payment
For your convenience, we accept cash, checks, credit cards and check/debit cards (VISA, MasterCard, American Express and JCB).

HOW CAN I GET A QUOTE?[back to top]
You can call our sales representatives at 92-DTRIC (923-8742) or 1-877-923-8742 (Neighbor Islands, toll free). You can also request an auto, homeowners or renters quote online. For faster service, be sure to have your current insurance policy handy. You can also contact an agent.