Every auto insurance policy in the state of Hawaii includes $10,000 for your healing, this is called your Personal Injury Protection fund or PIP.

A PIP is available to each person in a car accident no matter who is at fault and without the need for a lawyer.

If this money hasn’t been used up by ambulance ride, ER visit, x rays, MRI, etc, than that fund can be used for Chiropractic, Acupuncture, and Massage.