Opinion of the Court by ACOBA, J.
We hold that (1) under the assigned claims procedure of the State of Hawai`i Insurance Joint Underwriting Program (JUP), see Hawai`i Revised Statutes (HRS) § 431:10C-408 (Supp.1998), the insurer assigned to a claim owes the same rights and obligations to the person whose claim is assigned to it as the insurer would owe to an insured to whom the insurer had issued a motor vehicle mandatory public liability and property...
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