Mollena v. Fireman's Fund Ins. Co. of Hawaii, Inc.
Hawaii Supreme Court · 1991-08-21 · cited 28×
The case involved two insured individuals, Mollena and Costa, who sought underinsured motorist coverage from Fireman's Fund Insurance after separate accidents, arguing that the insurer failed to properly offer the optional coverage as required by Hawaii statute HRS § 431-448. The trial court granted summary judgment to the insurer, but the appellate court reversed, holding that the single 'Policyholder Message' sent with one renewal was insufficient and that offers must be repeated with each policy renewal. The court reasoned that the statute mandates offers upon delivery, issuance, or renewal of policies, and without a proper offer or written rejection, coverage is implied by law in the minimum limits required. Therefore, the plaintiffs were entitled to $35,000 each in implied underinsured motorist coverage, and the case was remanded for entry of judgment accordingly.