Delaware Auto Insurance - (DE)

Delaware residents must follow specific guidelines about auto insurance coverage, guidelines that might be different in other states. We all know that auto insurance provides safety and security for drivers, no matter where they live. If you’re considering moving to Delaware, or are leaving Delaware for another jurisdiction, remember that your auto insurance requirements are likely to change. Your coverage requirements could rise or fall, and your premiums will likely be different. Before settling on a policy, be sure to know your obligations.

Auto Insurance Regulations in Delaware

• All registered vehicles must be insured: In Delaware, you can’t even register your car until you can prove that you have insurance first.
• Beware of random checks: Vehicles are randomly checked for insurance coverage in Delaware, and insurance companies are required to notify the state when coverage ends. Not having coverage could result in a fine, loss of registration or loss of driver’s license.
• Minimum liability insurance is required: For Delaware, the minimum s are $15,000 liability for one person injured, $30,000 for all people injured, and $10,000 for property damage.
• Delaware requires Personal Injury Protection: This coverage applies whether you are liable for the accident or not. Your insurance company will cover costs for medical expenses and loss of wages for you and your passengers, which under law must be at least $15,000 for one person and $30,000 for all people.
• Tort add-on state: Delaware follows a Tort system, which means someone is found to be at fault in an accident. That person is responsible for all the damages – so be aware of this as you choose your policy.

Consumer Tips

Most insurance experts agree that policy holders should consider exceeding their state’s minimum coverage requirements. While Delaware might only require $10,000 property damage coverage, remember that this is a minimum standard. Likely, damage will far exceed that amount. Experts advise property damage coverage of $1 million.

Similarly, consider taking out more personal liability coverage than you need. If you’re deemed responsible for $100,000, but your policy only covers $10,000, you will be responsible for paying $90,000.

Try this potentially money-saving tip: Combine your home and auto insurance policies under the same insurer. Your premiums could fall.

Be a smart consumer: Receive quotes from several insurers before settling on a policy.

Department Of Delaware (DE) State Government That Regulates Car Insurance Quotes:
Web Site: www.delawareinsurance.gov
Email: consumer@deins.state.de.us

How To Contact Directly:
Delaware Dept. of Insurance
841 Silver Lake Blvd.
Dover, DE 19904
Phone: 1-302-674-7300
Toll Free: 1-800-282-8611

Delaware (DE) Mandatory Auto Insurance Minimums

• Liability: 15/30/10 = Bodily Injury Individual/Bodily Injury Total Per Accident/Property Damage
• Other Mandatory Insurance: Personal Injury Protection
• Regulations Regarding Proof of Insurance: Proof Required - If Involved In An Accident, If Stopped By Authorities When Driving
• Penalties For Not Carrying Mandatory Insurance: Fine up to $2000, suspension up to six months of license

How To File A Complaint About An Insurer:

Instructions For Filing A Complaint With The Delaware Dept. of Insurance
File a complaint online