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IN THE SUPREME COURT OF THE STATE OF HAWAI'I ---o0o---
STATE FARM MUTUAL AUTOMOBILE INSURANCE CO., Plaintiff-Appellee,
vs.
SABINO GEPAYA AND NENITA GEPAYA, Defendants-Appellants.

NO. 24514
APPEAL FROM THE FIRST CIRCUIT COURT

(CIV. NO. 01-1-0662)
NOVEMBER 25, 2003
MOON, C.J., LEVINSON, NAKAYAMA, ACOBA, AND DUFFY, JJ.

OPINION OF THE COURT BY DUFFY, J.

Defendants-appellants Sabino Gepaya and Nenita Gepaya (the Gepayas) appeal from the judgment of the Circuit Court of the First Circuit1 in favor of plaintiff-appellee State Farm Mutual Automobile Insurance Co. (State Farm), declaring that the

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Hawaii Law