What the insurance company does not want you to know is that blaming you early is how they cut payout value fast.

Yes, this happens all the time in Hawaii. If you were driving Uber, DoorDash, or Amazon Flex in Waipahu, the adjuster is looking for any excuse to tag you with comparative negligence. In Hawaii, if they can push you to more than 50% at fault, you can be barred from recovering damages. Even below that, your payment gets reduced.

The follow-up question you should be asking is: what mistakes in the first 48 hours give them ammunition?

Here are the big ones:

• Giving a recorded statement before you know the facts
• Saying "I'm fine" or "I didn't see them" at the scene
• Posting photos, jokes, or ride-app screenshots on social media
• Waiting too long for medical treatment, especially after a blind-spot hit or hydroplaning crash
• Deleting app data, dashcam footage, texts, or delivery logs
• Letting one insurer, the gig company, and the other driver all point fingers while you save nothing

For Hawaii crashes, preserve everything right away: scene photos, vehicle damage, dashcam video, app login/logout times, trip records, GPS route, and names of witnesses. In back-to-school season around Waipahu school zones and bus stops, insurers love to argue you were distracted, speeding, or failed to yield to a pedestrian.

If police responded, get the report information from the Honolulu Police Department. If your injuries send you for treatment, remember Hawaii is a no-fault state, so your own PIP coverage usually pays initial medical bills up to $10,000, regardless of fault. But PIP does not stop insurers from building a blame case against you.

Do not clean up your online presence after the crash in a way that looks like evidence deletion. Just stop posting. Save the evidence first.