No. If your Uber got hit near Likelike Highway by a work truck coming through a Kaneohe-area construction zone, it is not just the Uber driver's insurance.

In Hawaii, the first layer is usually no-fault/PIP coverage for medical bills, regardless of who caused the crash. Every Hawaii auto policy must carry at least $10,000 in Personal Injury Protection. As a rideshare passenger, you may be covered through the policy on the Uber vehicle for that no-fault medical coverage.

If the work truck caused the wreck, the truck's liability insurer can also be on the hook for injuries, lost income, and pain and suffering - but Hawaii's no-fault rules usually mean you need to meet an injury threshold before you step outside PIP and make a bodily injury claim. That can happen if your medical bills are high enough or your injuries are serious enough under Hawaii law.

There may be a third policy too: when you are inside an active Uber ride, Uber typically provides up to $1 million in third-party liability coverage. That matters if the Uber driver shares blame, or if the truck's coverage is disputed or too low.

What to do now:

• Get the HPD crash report number if police responded on Oahu.
• Ask Uber through the app for the trip record and insurance details.
• Get the work truck's company name, USDOT number, plate, and insurer if you can.
• Keep every bill, discharge paper, and screenshot from the ride.
• Notify the relevant insurers fast, because PIP benefits in Hawaii can be delayed if you sit on treatment or paperwork.
• Watch the deadline: Hawaii injury lawsuits are generally 2 years from the crash.

If this happened in a winter downpour or low-visibility work zone on Kamehameha Highway or H-3, that road-condition evidence can matter too, especially if lane control, flaggers, or truck operations were sloppy.