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• DE Auto Insurance

Delaware Auto Insurance | Minimum Liability Requirements

Make Sure Your Insurance Policy Meets the Delaware Minimum Requirements

Delaware law states that drivers are responsible for any loss or damages that occur as the result of an accident that they cause. The state requires all drivers to purchase liability insurance, but DE are pretty straight-forward and easy to understand. Drivers that are caught driving without the required liability coverage are subject to prosecution. Learn what you need to know about Delaware’s auto insurance laws and then compare Delaware auto insurance company quotes here.

Delaware auto insurance law: minimum required auto insurance

How to read car insurance liability limits

Liability amounts are written as three numbers separated by slashes.

• First number: bodily injury liability maximum for
  one person for injuries you caused to the other party
• Second number: bodily injury liability maximum for all injuries in one accident
• Third number: property damage liability maximum for one accident

Is Delaware a tort or no-fault liability insurance state?

Delaware is a tort state, meaning that it holds the driver who is responsible for causing the accident liable accident-related expenses of the other driver. This may include expenses like loss of wages and pain and suffering compensation. This is different than a no-fault system, which does not require that a person be held responsible for causing an accident and will reimburse a policyholder without proof of fault.

Why does Delaware require me to purchase personal injury protection?

Personal injury protection is an extension to auto insurance plans that covers medical and accident-related expenses regardless of who is at fault. It is required in Delaware, without it, a driver may be prosecuted.

What is uninsured motorist coverage? Does DE require me to purchase it?

It covers the costs of an accident in the case that the other driver does not have insurance, or enough insurance to cover all of your accident-related expenses. It is not required in Delaware, although you may choose to purchase uninsured motorist coverage and it is probably smart to do so. If you have uninsured motorist coverage, then you and your passengers may be able to collect from your own insurance company in the event that the at-fault party does not have adequate insurance coverage.

While these are the minimum required liability limits, it is usually considered a good idea to purchase additional optional coverages (medical, uninsured and underinsured motorist, collision, and comprehensive). The amount of coverage you choose affects your Delaware auto insurance rates.

Click for more information about Delaware auto insurance quotes.