summary
Introduced
01/17/2025
01/17/2025
In Committee
03/06/2025
03/06/2025
Crossed Over
03/04/2025
03/04/2025
Passed
Dead
Introduced Session
2025 Regular Session
Bill Summary
Allows the Hawaii Property Insurance Association to file and litigate subrogation claims against responsible parties for claims paid by the insurer for losses resulting from climate disasters and extreme weather attributable to climate change. Establishes a new, specific cause of action that allows insurers and injured parties to file claims against a responsible party for damages resulting from climate disasters, extreme weather attributable to climate change, and other long-term changes in the climate system. Requires insurance rates to account for any proceeds from subrogation or civil claims against a responsible party. Effective 7/1/2050. (SD2)
AI Summary
This bill establishes a comprehensive legal framework for holding fossil fuel companies accountable for climate change-related damages in Hawaii. It allows the Hawaii Property Insurance Association and private insurers to file subrogation and civil claims against "responsible parties" (fossil fuel companies) for damages resulting from climate disasters, extreme weather events, and long-term climate system changes. The bill creates a new legal cause of action for insurers and individuals to sue fossil fuel companies, with a minimum damage threshold of $10,000 and a three-year discovery period for filing claims. The legislation is based on findings that fossil fuel companies deliberately spread misinformation about climate change, knowingly contributing to environmental damage. Key provisions include allowing lawsuits in multiple Hawaiian counties, establishing joint and several liability for defendants, removing several potential legal defenses, and requiring that insurance rates account for any proceeds recovered through these legal actions. If successful, plaintiffs can recover compensatory and punitive damages, including costs for property damage, medical care, and emotional distress. The bill explicitly states that climate-related damages should not be considered acts of God or unforeseeable events, and it aims to provide a judicial forum for efficiently resolving climate change-related claims, with the law set to take effect on July 1, 2050.
Committee Categories
Budget and Finance, Business and Industry
Sponsors (1)
Last Action
Carried over to 2026 Regular Session. (on 12/08/2025)
Official Document
bill text
bill summary
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bill summary
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bill summary
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