Delaware law requires a minimum of $15,000 per person for bodily injury, $30,000 per accident for bodily injury, and $10,000 per accident for property damage liability for auto insurance. Personal injury protection is also required, with an amount of $15,000 per person and $30,000 per accident. Check with your auto insurance company by speaking to a representative so you understand the details of every coverage offered. All coverages are limited to any terms and liabilities of your specific auto insurance company.

If you are at fault in an accident, bodily injury liability will cover the other party’s injuries, death, loss of wages, and pain and suffering costs. However, it does not cover the injuries, death, loss of wages, and pain and suffering costs of you or anyone else on your policy. You will need to purchase Medical Payment coverage for your policy or use your own health insurance if you want coverage or yourself and dependents. In the event you are sued by the other party, this coverage will also cover the expense of your auto insurance company representing you in court.

When you cause accidental damage to another person’s property with your vehicle, whether it’s a vehicle, fence, wall, post, etc, property damage liability will cover the cost of repairing the damage done to that piece or pieces of property. It will also cover any legal costs that may ensue from the accident. Any additional costs exceeding your coverage amount could leave you paying for repairs out of pocket.

Personal injury protection covers the medical expenses of you and your passengers when in an accident, regardless of was at fault. You may consider using this coverage in conjunction with the coverage of your current health insurance policy. It also covers the medical expenses of any pedestrians struck by your vehicle. If you constantly carpool, you will want to consider increasing the limit of your personal injury protection above the minimum to provide monetary help to your passengers if they’re ever involved in your accident.

If you drive without the proper auto insurance in Delaware, the penalties are costly. Your first offense starts at a minimum of $1,000. Additional offenses within three years of the first offense will present you a fine of no less than $3,000 per offense. It is also possible your driver’s license will be suspended for six months, or your vehicle registration will be suspended.

Delaware operates under a tort auto insurance system but allows the driver to receive personal injury protection benefits up to their limit as well. This means by law of the state of Delaware the at-fault driver in an accident and their auto insurance company are responsible to pay for medical expenses in addition to compensating for additional damages, i.e. pain and suffering and/or loss of wages. Take this law into consideration when deciding how much coverage you want to purchase for your auto insurance policy, making sure to protect yourself from having to pay too much if you or one of your dependents are ever in this situation.

Delaware Auto Insurance Requirement Chart:

• Bodily Injury Liability: $15,000/$30,000 Limit
• Property Damage Coverage: $10,000 Limit
• Personal Injury Protection: $15,000/$30,000 Limit

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