The Hawaii Insurance Commissioner issued Memorandum 2020-4A on April 27, 2020, waiving certain requirements for insurers and to give instructions and guidelines. 

    First, the Insurance Division will not regard the following as unfair trade practices or unfair methods of competition under Haw. Rev. Stat, Art. 13:

. Waiving of fees, penalties, or other charges relating to an insured's temporary inability to submit
premium payments or otherwise respond to an insurer's inquiries;

. Extending of grace periods for payment of premiums;

. Granting of additional time to policyholders to pay premiums before non-renewals or cancellations become effective;

. Extending of proof of loss submission deadlines to claimants;

. Allowing of self-auditing and self-reporting in lieu of physical audits to the extent that physical audits
are impracticable;

. Encouraging policyholders to use electronic payment technology on websites, apps, and electronic bank
transfers whenever possible to avoid in person payments.

    The Insurance Division will also support the virtual inspections of property and the increased used of electronic delivery methods for consumer notifications and interactions.

    Finally, the Memorandum states the the Insurance Division will consider specific proposals from insurers to quickly adjust to changes in the insurer's risk exposure. The may include allowing personal vehicles to be covered while delivering food, medicine, or other essential services for commercial and charitable purposes; temporarily reducing premium prospectively; or refunding premiums retroactively. The Division may also waive enforcement of relevant applicable statutes, and may allow insurers to deviate from filed rates or contractual language if the insurer's actions are applied uniformly and without prejudice to all similarly affected insureds. 

    The Memorandum remains in effect for 60 days and may be extended.