Delaware Auto Insurance

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Delaware Auto Insurance Requirements

Every Delaware motorist must carry auto insurance in the form of liability coverage. The minimum coverage allowed is normally known as 15/30/10 which results in:

-$15,000 for bodily injury per accident

-$30,000 for bodily injury for all persons involved in an accident

-$10,000 for property damage per accident

These are only minimum requirements and may not be adequate to cover damages if you are involved in a serious accident. You may want to purchase higher limits of protection.

It is against the law to drive without Delaware auto insurance and you may need to pay high fines and lose your driver’s license and vehicle registration.

Optional Coverage

Having only liability coverage may not cover damages to your vehicle in the case of an accident, so you may want to consider optional coverage.

-Collision Coverage: Covers damage to your automobile caused by a collision with another car or object.

-Comprehensive Coverage: Covers damages to your automobile caused by weather-related-events, theft and vandalism.

-Uninsured Motorist Coverage: Covers damages caused by uninsured and hit-and-run drivers. Not all uninsured motorist policies cover your vehicle damage, but rather physical harm done to you.

This additional coverage will increase your auto insurance premium, but they protect you and your vehicle better.

High-Risk Auto Insurance

You may be covered under Delaware Auto Insurance Plan (DAIP) if you are being declined for Delaware auto insurance many times by multiple companies.

DAIP is a form of high-risk insurance, designed for those who cannot obtain Delaware auto insurance in the voluntary market. DAIP ensures that applicants are distributed equally among Delaware insurers. You may purchase DAIP coverage through licensed Delaware auto insurance agent. Motorists who meet the requirements will have a registered automobile and valid driver’s license in Delaware.

Further Information

Contact Delaware Insurance Department toll free at (800) 282-8611, or visit them online if you need further information on Delaware auto insurance.

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