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Bill

SCR 17

REQUESTING THE INSURANCE COMMISSIONER TO STUDY THE IMPACT OF UNINSURED MOTORISTS IN HAWAII.

2025 Regular Session Introduced by Stanley Chang

Hawaii requests its Insurance Commissioner study uninsured motorists' financial impacts on drivers and insurance markets to inform future policy decisions.

Referred to TCA, CPN.
#insurance #insurancecommission #report #uninsured
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Bill Summary · SCR 17

Legislative bill overview

SCR 17 is a concurrent resolution requesting Hawaii's Insurance Commissioner to conduct a comprehensive study on the impact of uninsured motorists operating within the state. The resolution directs the commissioner to analyze the scope of the problem, its effects on insured drivers and the insurance market, and potential policy solutions. This is a study request rather than a law that directly regulates or mandates action.

Why is this important

Uninsured motorists create significant costs for insured drivers through higher premiums and out-of-pocket expenses when accidents occur. Understanding the actual scope and financial impact of uninsured driving in Hawaii could inform future legislation on enforcement mechanisms, minimum insurance requirements, or compensation programs. The study results may guide policymakers in addressing a gap in consumer protection and market stability.

Potential points of contention

  • Cost and feasibility of the study: Questions about whether the Insurance Commissioner has adequate resources to conduct a thorough investigation and what timeline is realistic
  • Enforcement vs. study focus: Some may argue the state should prioritize enforcement of existing insurance laws rather than spending time and money on additional studies
  • Limited remedies from study alone: Critics might contend that a study without corresponding legislative follow-up will not actually solve the problem or protect consumers

Compiled from official sources — confirm details with the bill’s official record.

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