HAR §16-23-11. Required optional additional coverage

(a) Each insurer shall offer to each policyholder or applicant for a motor vehicle insurance policy the optional coverage as well as the basic motor vehicle insurance coverage, with the applicable premiums therefor, as set forth in Exhibit 1 entitled "Required Optional Additional Coverage", dated 01/01/26, located at the end of this chapter, which is made a part of this section. Nothing in this subchapter shall limit the use of forms substantially similar to the exhibit. (b) Every insurer shall fully disclose in writing to each policyholder upon the first renewal after January 1, 1998, or to the applicant, at the issuance or delivery of the policy, the availability (c) of all required and optional coverages and deductibles. §16-23-11.1 23-9 (d) An applicant or policyholder shall in writing decline uninsured motorist coverage and underinsured motorist coverage. (e) Increased limits for residual bodily injury coverage in the amount of $300,000 per person with an aggregate limit of $300,000 per accident and for property damage coverage in the amount of $50,000 per occurrence shall be available to all motor vehicles required to be insured for those limits by contract or rule of the State of Hawaii or any political subdivision. (f) Except as provided by section 431:10C- 302(a)(9)(D), HRS, the benefits of any optional additional coverages elected by the policyholder are applicable to all eligible insureds. [Eff 9/1/74; am and ren §16-23-11, 7/7/80; am 9/1/81; am and comp 9/1/82; am 9/1/84; am and comp 9/1/85; am 9/1/87; am and comp 9/1/88; am and comp 9/15/89; am and comp 9/1/90; am 9/1/91; am and comp 6/1/93; am and comp 1/1/98; am and comp 1/8/99; comp 11/11/12; am and comp 7/2/22; am and comp 4/17/26] (Auth: HRS §§431:10C- 214, 431:10C-302) (Imp: HRS §431:10C-302) §16-23-11.1 Naturopathic, acupuncture, and nonmedical remedial care and treatment. (a) Subject to the exceptions allowed under section 431:10C-302, HRS, an insurer shall make available optional coverage for naturopathic, acupuncture, and nonmedical remedial care and treatment rendered in accordance with the teachings, faith or belief of any group which relies upon spiritual means through prayer for healing. The coverage shall provide for appropriate and reasonable treatment and expenses necessarily incurred as a result of the accidental harm and shall provide an aggregate total among and between the types of providers of thirty visits at no more than $75 per visit. (b) An insurer may make available additional coverages for services provided under subsection (a). §16-23-11.1 23-10 These coverages shall be for additional blocks of thirty visits at no more than $75 a visit. (c) An insurer may make available at appropriately reduced premium rates, and provide at the option of the named insured, deductible, coinsurance or copayment arrangements for this coverage. [Eff and comp 1/1/98; am and comp 1/8/99; comp 11/11/12; comp 7/2/22; comp 4/17/26] (Auth: HRS §§431:10C-214, 431:10C-302) (Imp: HRS §§431:10C-301, 431:10C-302)