FAQ

Frequently Asked Questions

For your convenience, below are answers to some of our most frequently asked questions.

Manage Your Policy

  • My policy includes DTRIC Deductible WipeOut. What is that?

    DTRIC’s Deductible WipeOut rewards you for safe, claim-free driving by reducing your deductible when you stay claim-free. It’s DTRIC’s way of rewarding our customers for driving with Aloha!

    Learn more about the DTRIC Deductible WipeOut

  • How much will it cost to add another driver to my policy?

    The cost to add a driver to your policy depends on the additional driver’s driving history and whether you select any additional coverage options. Contact a DTRIC Customer Care Representative for more information at (808) 944-5400 or, toll-free, at 1-888-944-5474.

  • How much will it cost to add another vehicle to my policy?

    The cost to add a new vehicle to your policy will vary depending on the make, model, and year of the vehicle you would like to add, how you plan to use the vehicle, and the type of coverages you select.

    Please contact a DTRIC Customer Care Representative at (808) 944-5400 or, toll-free, at 1-888-944-5474 for assistance in selecting the right coverage for your needs.

    If you would like to add a vehicle online, please fill out the DTRIC Add a Vehicle Form.

  • I did not receive a renewal offer on my current policy. What should I do?

    You may contact a DTRIC Customer Care Representative at (808) 944-5400 or toll-free at 1-888-944-5474, or your personal agent to inquire about your policy renewal.

  • My address has changed. What should I do?

    Updating your current address is simple with DTRIC’s Online Change of Address Form. If you’d like to update your address over the phone, please contact a DTRIC Customer Care Representative by calling (808) 944-5400 or toll-free at 1-888-944-5474.

    The reverse side of your payment stub attached to your bill also has a Change of Address Form which you may fill out and mail back to the following address:

    DTRIC Insurance Company, Limited
    1600 Kapiolani Blvd., Suite 1520
    Honolulu, Hawaii 96814

  • My policy has expired. How can I reinstate it?

    You may reinstate your expired policy by calling a DTRIC Customer Care Representative at (808) 944-5400 or toll-free at 1-888-944-5474. If you have a personal agent, you may also contact him or her directly.

  • What happens if my credit card is declined?

    We will contact you by phone. If we are unable to reach you by phone, we will mail a reply card asking you to contact us. Depending on the situation, a credit card declined by the bank may cause a cancellation or a lapse in your insurance coverage.

    If you are aware that your credit card was declined by the bank or your insurance premium payment was not posted to your credit card statement, please call our Customer Care Representatives at (808) 944-5400 or toll-free at 1-888-944-5474 immediately to resolve the situation.

  • What happens if my bank account deduction (ACH) is returned by the bank?

    We will mail a bill to you explaining the situation and your available options. A $20 service fee will be added to your account. Please be sure to manually pay your bill by check or credit card by your due date to prevent your policy from being canceled.

    Depending upon the situation, a returned bank account deduction may cause a cancellation or lapse in your insurance coverage. If you are aware that your bank account deduction was returned by the bank, please call our Customer Care Representatives at (808) 944-5400 or toll-free at 1-888-944-5474 immediately to resolve the situation.

  • What happens if my check is returned by the bank?

    We will mail a bill to you explaining the situation and your available options. A $20 service fee will be added to your account. Please be sure to manually pay your bill by check or credit card by your due date to prevent your policy from being canceled.

    Depending upon the situation, a returned bank account deduction may cause a cancellation or lapse in your insurance coverage. If you are aware that your bank account deduction was returned by the bank, please call our Customer Care Representatives at (808) 944-5400 or toll-free at 1-888-944-5474 immediately to resolve the situation.

  • Will I receive a bill for each installment payment due in addition to the renewal bill?

    Yes. We will mail a bill to you for each installment if you are on the two payment plan. You may also receive a reminder notice if your payment has not been received by us within 20 days of your installment due date or your policy’s expiration date.

    If you are payment by automatic bank account deduction (ACH) or payroll deduction, you will not receive a hard copy of your bill. Instead, the amount withdrawn from your bank account or payroll check will be printed on your policy.

  • When will I receive my renewal information?

    Renewal Bill

    Depending upon your payment plan, we will mail your renewal bill, a policy declaration listing your coverages and premiums, and motor vehicle insurance cards to you 45, 75, or 90 days prior to your policy’s expiration date. Renewal details for specific payment plans are listed below:

    • Direct Payment – 45 days
    • Automatic Bank Account Deduction/ACH – 75 days
    • Payroll Deduction – 90 days

    Installment Bill

    We will mail your installment bill 10 days prior to your next payment due date.

    Automatic Bank Account Deduction (ACH) or Payroll Deduction

    You will not receive an installment bill since your funds will automatically be taken from your checking or savings account or payroll check. The amount that will be withdrawn from your bank account or payroll check is printed on your policy.

  • What happens if I pay my bill after my policy’s expiration date?

    Renewal payments not received by your policy’s expiration date will automatically result in a canceled policy. After we receive your payment, we will review your policy to determine whether it is eligible for reinstatement.

    Please note that you will not receive insurance coverage from the date your payment was due through the date your policy is reinstated after we receive your payment. For more information, please speak to a DTRIC Customer Care Representative by calling (808) 944-5400 or toll-free at 1-888-944-5474 to discuss your situation.

  • How can I pay my bill?

    We accept payment in the following ways:

    • Online payment through the DTRIC Online Payment Center (Credit and debit cards accepted)
    • By telephone (Credit and debit cards accepted)
    • By mail (No cash payments)
    • In person (During normal business hours)

    We accept the following payment methods:

    • Cash
    • Checks
    • Credit Cards and Check/Debit Cards (VISA, MasterCard, American Express, Discover Card, and JCB)

    If you would like to submit your payment by mail, please use the following address:

    DTRIC Insurance Company, Limited
    1600 Kapiolani Blvd., Suite 1520
    Honolulu, Hawaii 96814

    If you are paying with a check, please be sure to write your policy number on the check.

    For any additional questions regarding payment options, please contact a Customer Care Representative at (808) 944-5400 or toll-free at 1-888-944-5474.

  • My policy includes free emergency roadside service through the DTRIC Gold Card. How do I use this service?

    Call 1-888-HI-DTRIC (1-888-443-8742) 24 hours a day, 7 days a week, to use the following roadside services:

    • Towing and labor
    • Battery jump-start
    • Delivery of up to two gallons of gas
    • Locksmith service (up to $100)
    • Flat-tire changing service
  • How can I report a claim?

    Claims can be reported 24 hours a day, 7 days a week, by calling 1-888-HI-DTRIC (1-888-443-8742).

  • What are your telephone hours?

    For your convenience, we offer extended telephone hours during which you may speak to one of our local, live Customer Care representatives.

    Telephone (Customer Care Center) Hours:

    Monday – Friday: 7:30 a.m. – 5:00 p.m.

    Saturday: 9:00 a.m. – 1:00 p.m.

    Sunday: Closed

  • Where are you located and what are your hours?

    DTRIC Insurance’s headquarters are located in the Pan Am Building in Honolulu, Hawaii, at the following address:

    DTRIC Insurance Company, Limited
    1600 Kapiolani Blvd., Suite 1520
    Honolulu, Hawaii 96814

    Walk-In Business Hours:

    Monday – Friday: 8:00 a.m. – 4:30 p.m.
    Please see our extended telephone hours below.

  • Who can I contact with questions about my DTRIC policy?

    Call 944-5400 or 1-888-944-5474 (Neighbor Islands toll free) to use “ServiceLine,” DTRIC’s automated response system where you can get your policy status, current premium balance due, last payment received (date and amount) and next payment due.  ServiceLine is available to DTRIC customers 24 hours a day.  Please note that the system will ask you to enter your Social Security Number and residence zip code in order to verify your identity.

    You may also speak to one of our live Customer Care representatives at 944-5400 or 1-888-944-5474(Neighbor Islands toll free) by pressing “4” when prompted by the ServiceLine automated system.  Representatives are available during Call Center Hours:  Monday-Friday, 7:30 a.m.-5:00 p.m., and Saturday, 9 a.m.-1 p.m.  We are closed on Sundays and holidays.

    You may also send an email to info@DTRIC.com.  A representative will reply to your inquiry within 24 business hours.