Although negligent infliction of emotional distress claims are entitled to independent protection under general Hawai`i tort law, emotional distress claims under chapter 294 are derivative, when; derivative claims are subject to "each person" liability coverage limit. 77 H. 2, 881 P.2d 489.

Did not preempt financial responsibility law. 76 H. 209, 873 P.2d 88.

"Accidental harm", under chapter 294, includes emotional distress. 77 H. 2, 881 P.2d 489.

Automobile insurance policies may bar dual recovery under both liability and underinsured coverages without violating the underinsured motorist statute. 77 H. 490 (App.), 889 P.2d 67.