Hawaii Insurance Adjuster License Practice Exam

When the Hawaii Department is investigating insurance law violations, which of the following costs is NOT covered by the Commissioner?

1. Cost to search for items designated by the subpoena

2. Mileage for witnesses to attend the hearing

3. Costs to reproduce records relating to the case

4. Costs to transport the books, papers, documents or records

The correct answer is: Mileage for witnesses to attend the hearing

The Commissioner of the Hawaii Department does not cover mileage for witnesses to attend hearings when investigating insurance law violations. This indicates that while the state provides certain supports for investigations, the responsibility for transportation costs for witnesses is not included in the coverage. This limitation reflects a broader principle in regulatory investigations where the state may assist with certain investigative costs but does not reimburse all expenses related to the legal process, such as those incurred by witnesses attending hearings, which generally fall to the individuals involved or their respective parties. In contrast, the other options relate to expenses directly associated with the investigation and documentation process, which are essential for the investigation's integrity and effectiveness, thereby warranting coverage by the Commissioner.