How is a liability claim handled?

In Hawaii, a liability claim is handled by first determining who is liable for the incident or injury that has taken place. This includes evaluating the evidence and circumstances surrounding the event to determine if there is clear negligence or fault. If the claim is a result of a car accident, it might include evaluating the driving records of those involved and any witnesses to the incident. The person who is deemed liable is then responsible for covering the costs of the claim. This includes any medical expenses, damage to property, or other costs associated with the incident. A liability claim can also be handled by the insurance company, if the incident was covered by a policy. In this case, the insurer will pay for the claim according to the policy limits and deductibles. If the insured individual does not have insurance coverage or cannot cover the cost of the liability claim themselves, Hawaii has a process that allows them to be reimbursed by the state. This is done through the Hawaii State Tort Claims Board, which will review the claim and determine if a settlement is appropriate. If approved, the Board will determine the amount of the settlement and the responsible individual or agency will be liable for payment.

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