Delaware Auto Insurance
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What You Should Know about Delaware Auto Insurance
Requirements for Delaware Auto Insurance
Every motorist in the State of Delaware is required to carry Delaware auto insurance in the form of liability coverage. The minimum coverage amounts allowed under Delaware state law is commonly referred to as 15/30/10.
Broken down, 15/30/10 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
It is important to emphasize that these are the minimum requirements set by the State of Delaware, and may not be enough to cover damages if you are responsible for a serious accident. Thus, you may want to consider purchasing higher limits of protection.
Remember, driving without Delaware auto insurance is a crime. If you are caught driving without Delaware auto insurance, you may face steep fines and the loss of your driver's license and registration of vehicle.
Optional Coverage
As stated, liability coverage is the only form of protection required under Delaware law. However, those protections may not cover damage to your vehicle in the event of an accident.
- Collision Coverage—can be added to your Delaware auto insurance to protect your automobile from damage caused by a collision with another car or object.
- Comprehensive Coverage—can be added to your Delaware auto insurance to protect your automobile from damage caused by weather-related events, theft and vandalism.
- Uninsured Motorist Coverage—can be added to your Delaware auto insurance to cover damages caused by uninsured and hit-and-run drivers; not all uninsured motorist policies cover damage to your vehicle, but rather physical harm done to you.
While these additional forms of coverage will increase the premium paid for Delaware auto insurance, you will want to consider adding them to your policy to better protect you and your vehicle.
High-Risk Auto Insurance
If you have been turned down by multiple Delaware auto insurance companies, you may be eligible for coverage under the Delaware Auto Insurance Plan (DAIP).
In essence, DAIP is a form of high-risk insurance, created to provide Delaware auto insurance to those unable to obtain it in the voluntary market. DAIP also makes sure that applicants are distributed equally among Delaware insurers.
DAIP coverage may be purchased through any licensed Delaware auto insurance agent; eligible motorists will have a valid driver's license and registered automobile in the State of Delaware.
For More Information
If you need more information about Delaware auto insurance, be sure to contact the Delaware Insurance Department. You may reach them toll free in Delaware at (800) 282-8611, or visit them on the Web.
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