§287-25  Owner's policy requirements.  An owner's policy of liability insurance:

     (1)  Shall designate by explicit description or by appropriate reference all motor vehicles with respect to which coverage is thereby to be granted;

     (2)  Shall insure the person named therein and any other person, as insured, using any such motor vehicle or motor vehicles with the express or implied permission of the named insured, against loss from the liability imposed by law for damages arising out of the ownership, maintenance, or use of the motor vehicle or motor vehicles within the State and such other places as the policy provides, subject to limits exclusive of interest and costs, with respect to each such motor vehicle, as follows:  $10,000 because of bodily injury to or death of one person in any one accident, and subject to such limit for one person, $20,000 because of bodily injury to or death of two or more persons in any one accident, and $5,000 because of injury to or destruction of property of others in any one accident. [L 1949, c 393, pt of §1; RL 1955, §160-103; am L 1963, c 98, §1; HRS §287-25]

Cross References

  Policy coverage:  motorcycles and motor scooters, see §431:10G-301; motor vehicles (no-fault law), see §431:10C-301.

Case Notes

  Initial permission rule, discussed.  901 F.2d 765 (1990).

  Insurance omnibus clause protects insured, uninsured permittee-driver, and injured.  50 H. 212, 437 P.2d 99 (1968).

  Requirement as to coverage of persons using with permission, construed.  50 H. 212, 437 P.2d 99 (1968).

  Where terms of insurance policy are in conflict with statute, latter takes precedence.  50 H. 212, 437 P.2d 99 (1968).

  Omnibus clause coverage is limited by §287-24 to certified policies.  52 H. 80, 470 P.2d 521 (1970).

  Defendant was not a permissive user of insured vehicle and was therefore not a "covered person" under insurance contract.  78 H. 249, 891 P.2d 1041 (1995).