Delaware State Auto Insurance rules and regulations

Delaware State Auto Insurance

If you drive in the state of Delaware, you should know the laws and requirements for your auto insurance in Delaware. You cannot register your car unless you prove that you have insurance first. This is a must in this state.

All registered vehicles must have at least minimum liability coverage as required by the state. Delaware is a Tort State which means, whoever is found guilty pays for all damages. In addition, victims can file claims for more than what was paid by your insurance company. These are the main factors to consider when buying car insurance. Talk to your representative and get the facts straight.

The Minimum Liability Coverage as Mandated in Delaware is as follows:

$10,000 for Property Damage to any physical object involved in the accident such as fire hydrants, homes, businesses, garage doors, telephone polish, etc.

$15,000 for personal injury or death coverage for one person. Your insurance company will pay the first damage to $15,000 to one victim.

$30,000 for personal injury or death of more than one victim.

Proof of insurance must be with you at all times. You can be pulled over by the authorities at any time for random insurance checks and registrations. Be prepared to give it to them. There are hefty fines and penalties if you are caught driving without insurance. If you cancel your policy or your auto insurance expires, your insurer should contact the State Department of Motor Vehicles to notify them of this change.

You can be fined from $100 to $1500 for a first time offense, and if you're guilty a second time, the fine can be up to $3000. The DMV can suspend your license, and they can suspend your STNK. This will make wanting to register a car in the future quite difficult and commuting to work or school even more difficult. So it is important to buy at least the minimum amount required by the state.

There are additional insurance options available by insurance companies such as collision protection, comprehensive coverage, and UM or IM Insurance. Talk to your auto insurance provider and be sure to get the right coverage for your vehicle.

Fun Fact: Delaware is the 8th most expensive state in the country for auto insurance with an average $1,024 in insurance premiums. This could be due to various reasons such as population, number of crashes, rocky terrain and location.

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