Delaware Auto Insurance
Tags: delaware auto insurance, delaware auto insurance quotes, delaware auto insurance requirements, auto insurance in delaware, delaware auto insurance quote, auto insurance wilmington delaware, cheap auto insurance delaware, delaware automobile insurance
Delaware Auto Insurance Requirements
The Major Difference between Delaware and Other U.S. States. Delaware is a “No-Fault” state. In a state with No-Fault laws, the insurer pays your lost wages and medical expenses as well as those of your passengers without regard to which driver caused an accident. The minimum PIP or Personal Injury Protection coverage Delaware requires is $15,000 per accident involving a single person and $30,000 per accident when two or more people are involved. Note that when two or more people are involved, any one person will not get more than $15,000. Included in PIP is up to $5,000 towards funeral expenses.
Delaware Auto Liability Insurance
Delaware also requires drivers to have auto liability insurance. State-mandated minimum limits are 15/30/10. If you’re responsible for an accident and you injure or cause the death of another person, your insurer pays up to $15,000 in claims per accident involving a single person and up to $30,000 in claims per accident when two or more people are involved. It also pays up to $10,000 towards the repair/replacement cost of property damaged by your negligent vehicle operation.
Delaware Insurance Liability Limits
These liability limits are quite low, especially when you consider today’s high cost of vehicle repair and medical care. If your coverage is not enough to pay all claims, you can be sued and your assets used towards payment. You can protect your assets by optionally purchasing more than Delaware’s minimum limits.
Any other auto insurance coverage you purchase is optional including Comprehensive and Collision which pays your vehicle’s repair/replacement costs when you’re at fault in a collision, or when damage is caused by reasons which are out of your control like weather and vandalism.
Delaware Insurance Coverage
Uninsured/Underinsured Motorist coverage is another optional coverage that offers bodily injury protection when an accident is caused by a hit and run or uninsured driver. Underinsured coverage helps pay your bodily injury expenses if the at-fault driver’s insurance is insufficient to cover all of your claims.
Delaware Department of Insurance
More information regarding Delaware’s auto insurance laws can be found by visiting http://www.delawareinsurance.gov or calling the Delaware Department of Insurance at 800-282-8611.
Delaware Links