Maui Business

Accident Questions Answered with Jan K. Apo

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No one wants to be part of them, but the fact is, accidents happen every day on our roads.  Whether you’re a driver, a passenger, a motorcyclist, a bicyclist or a walker, you have options if you get hurt, but you may not realize what they are.  Experienced personal injury attorney Jan K. Apo shares some important details and advice for each of these scenarios in our video above in The Business Spotlight with Kiaora Bohlool.

  1. For instance, if you’re a pedestrian who gets hit by a car, Apo maintains filing a police report is a huge priority to get access to the insurance details you’ll need.
  2. “On the front page of the police report, it will tell you who the insurance is on the car that hit you, and then you’ll get your Personal Injury Protection coverage through that company,” he says.

If you’re injured in an accident while traveling by bus or shuttle, Apo says you would be covered similarly to a pedestrian, meaning you could get covered by Personal Injury Protection (PIP) from the vehicle that hit the shuttle or bus.

There are plenty of “what ifs” when accidents come to mind.  What if you’re driving someone else’s car?  Or you don’t have insurance in your name?  Or nobody involved has insurance?  Apo says there are still ways to get help.  Here’s one example:

“There is a safety latch through the state called the Hawai‘i Joint Underwriting Plan, if indeed, say, you’re a pedestrian and you’re hit by someone who has no insurance,” Apo explains. “We can submit an application with the insurance commissioner’s office and many people qualify under that particular plan.”


Based at 24 North Church Street in Wailuku, Jan K. Apo and his team have been helping injured victims for more than 30 years.  To learn more, call (808) 244-6073 or go to the law office’s website.

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