$0 to six figures is the honest range, and the mistake people make is trying to price PTSD like a broken arm without first proving they can recover pain and suffering at all in Hawaii.

The correct approach starts with Hawaii's no-fault rule. After a Kaneohe truck crash, your own PIP coverage usually pays medical bills first, up to at least $10,000. To make a bodily injury claim for PTSD, anxiety, depression, and other non-economic damages, you usually need to clear Hawaii's tort threshold, most commonly more than $5,000 in medical-rehabilitative expenses or another statutory threshold such as significant permanent loss of use.

That matters because a psychological-injury claim with thin treatment records often settles for very little, while a well-documented one can be worth far more.

What moves value in Hawaii:

• Consistent treatment: therapy, psychiatry, medication management, and diagnosed conditions tied to the crash
• Records showing function loss: sleep problems, panic on the Pali Highway, inability to drive, missed work, isolation
• A clear timeline: symptoms starting after the truck crash, not vague stress from before
• Cost of care: counseling, prescriptions, future treatment, and whether you exhausted PIP
• Independent proof: spouse statements, employer records, and VA mental health records if you're a veteran

For a veteran in Kaneohe, VA benefits and the civilian injury claim are separate systems. A VA disability rating can help document severity, but it does not set settlement value by itself. The insurer will still look for diagnosis, treatment frequency, and how the crash changed daily life.

If the crash happened on a route affected by Oahu traffic or closures, like trucks diverting from the H-1 or around a Pali shutdown, liability facts also affect value.

A mild PTSD claim with brief counseling might resolve in the low five figures. A severe, well-documented claim with long-term treatment, lost income, and strong liability can reach mid to high five figures or more. Hawaii's general deadline to file most injury lawsuits is 2 years under HRS § 657-7, so waiting can damage both proof and value.