Haw. Code R. § 16-23-75
If an insurer denies an applicant JUP coverage under section 16-23-72(a)(1) or (a)(2) or section 431:10C-407, HRS, the insurer, by the next working day, shall mail or deliver to the applicant in triplicate a notice of the denial, of the applicant's right to appeal, and of the appeal procedure. If the applicant desires a review of the denial of the application, the applicant shall file with the commissioner two copies of the notice of denial, a request for review, and a statement in duplicate giving the applicant's reasons for the request within seven calendar days after the date of denial of the application.
The commissioner shall forthwith notify the insurer of the request for review, enclosing a copy of the statement of reasons therefor.
The appeal shall be heard and determined in accordance with the provisions of chapter 91, HRS, and chapter 16-201.
Haw. Code R. § 16-23-75