Header photo was used with permission from Intense Motorsports Maui.
No-fault and Full-coverage Insurance for Maui Vehicles
Maui is the home of the Maui cruiser. The Maui cruiser is a term Maui residents use for cars that are usually bearly running. It’s not unusual for a Maui cruiser to be at the end of its life.
Because people on Maui often drive older cars, no-fault insurance is fairly popular here. In this article, we are going to talk about insurance and why full-coverage may be more valuable here on Maui when compared to the mainland United States.
As a disclaimer, the prices for insurance will vary from person to person. We are not legally liable if any choices influenced by this post have wrought adverse or undesirably results for blog readers. Now that we have gotten the legal business out of the way, let us talk about insurance.
3 Advantages of Full Coverage Insurance In Hawaii
Peace of Mind
While peace of mind is not exclusive to Hawaii’s vehicle owners, Hawaii offers many unexpected challenges to fixing an automobile without insurance. Accidents are stressful enough without the additional financial concerns that come with no-fault insurance. With full-coverage, price checking is less of a necessity and the vehicle owner can focus more on having quality work done.
Fixing is Better than Replacing
M. Toguchi’s Body Shop has made extended efforts to repair existing auto body parts. We consistently implement procedural changes to not discard damaged auto body parts. Our mission is to be a sustainable business that responsibly considers environmentalist issues. We aim to be sustainable financially and environmentally. Because of the logistical issues, it’s generally easier to get the best technicians through insurance.
Shipping Body Parts is Expensive
Auto repair in Hawaii and Alaska have unique challenges when compared to the rest of the United States. Why? Hawaii and Alaska require parts to be shipped thousands of miles.
According to Brent Toguchi, “freight often costs three times more than the part.” Brent is the Team Leader and Estimator here at M. Toguchi Body Shop. If a replacement hood costs only 100 dollars, it could easily cost an additional 400 dollars with shipping. Shipping auto body parts to Hawaii is expensive, especially if parts need to be rushed.
When deciding rather go with full coverage or no-fault insurance, consider the price of repair. In California for example, bodywork is much more competitive and inexpensive. While Hawaii insurance is usually more expensive than most states, it may be a better value and peace of mind to carry full coverage insurance here in Hawaii. As stated earlier, your insurance purchase is your choice. We just wanted to give you something to think about. I hope you benefit from what we had to say.