THE SENATE	S.C.R. NO.	17
THIRTY-THIRD LEGISLATURE, 2025
STATE OF HAWAII

SENATE CONCURRENT

RESOLUTION

 

 

requesting the insurance COMMISSIONER to study the impact of uninsured motorists in Hawaii.

 

 

 

WHEREAS, Hawaii state law requires that all drivers have motor vehicle insurance; and

 

WHEREAS, despite this requirement, an estimated eleven percent of motorists in Hawaii operate vehicles without valid motor vehicle insurance coverage, placing financial and emotional burdens on drivers involved in accidents with uninsured motorists; and

 

WHEREAS, the presence of uninsured motorists has led to increased costs of premiums for insured motorists, as insurance companies adjust rates to account for the additional risk posed by uninsured motorists; and

 

WHEREAS, uninsured motorists can exacerbate the financial strain on victims of motor vehicle accidents, particularly those who may lack adequate uninsured motorist coverage; and

 

WHEREAS, a comprehensive understanding of the prevalence and impact of uninsured motorists in Hawaii is essential for developing effective policies to address this issue and protect the financial well-being of the State's residents; now, therefore,

 

     BE IT RESOLVED by the Senate of the Thirty-third Legislature of the State of Hawaii, Regular Session of 2025, the House of Representatives concurring, that the Insurance Commissioner is requested to conduct a study on the impact of uninsured motorists in Hawaii, including:

 

     (1)  The estimated number of uninsured motorists in Hawaii;

 

     (2)  The financial impact of uninsured motorists on insured motorists, including any resulting increases in insurance premiums; and

 

     (3)  Recommendations to reduce the number of uninsured motorists; and

 

     BE IT FURTHER RESOLVED that the Insurance Commissioner is requested to submit a report of the study, including any proposed legislation, to the Legislature no later than twenty days prior to the convening of the Regular Session of 2026; and

 

     BE IT FURTHER RESOLVED that a certified copy of this Concurrent Resolution be transmitted to Insurance Commissioner.

 

 

 

	OFFERED BY:	_____________________________

Report Title:

Insurance; Insurance Commission; Uninsured; Report