Haw. Rev. Stat. § 431:10-220

Policy must contain entire contract

Known as the Insurance Code

The act spans §§ 431–431 (1,434 sections).

Applied in 3 court decisions — leading case Kaneshiro v. Alamo Rent-A-Car, Inc. (1996)

Most recently applied in 248 F. Supp. 2d 974 - Reassure America Life Insurance v. Rogers (March 2003)

L 1987, c 347, pt of §2

How often courts cite this section

citing decisions per year

Court decisions citing this, by year. The dip in the last several years is a data-coverage gap, not a real trend — our corpus holds fewer opinions from the most recent years, so recent citations are undercounted.

(a) No agreement in conflict with, modifying, or extending any contract of insurance shall be valid unless in writing and made a part of the policy.

(b) No insurer or its representatives shall make any insurance contract or agreement relative thereto that is not plainly expressed in the policy.

(c) The requirements of this section shall not apply to the granting of additional benefits to all policyholders of the insurer, or a class or classes of them, which do not require increases in premium rates or reduction or restrictions of coverage.

Official source: Hawaii State Legislature. Reproduced from public-domain Hawaii statutes; confirm against the official source for the current text. Not legal advice.