Delaware Auto Insurance Policy Requirements

Q: What is in a basic Delaware auto insurance policy?

A: Consumers can add these main options to their Delaware auto insurance policy:

  1. Liability Coverage
    1. Since property and people are completely separate insurance concepts, liability insurance is divided into two types:
      1. Bodily Injury Liability Coverage
      2. Property Damage Liability Coverage
    2. Liability coverage is required in Delaware. To legally drive in Delaware, one must have a valid driver’s license and also the minimum of liability coverage in his or her auto insurance policy:
      1. 15/30/10” (Delaware’s minimum auto insurance requirement)
      2. $15,000 for injury/death to one person.
      3. $30,000 for injury/death to two or more people.
      4. $10,000 for property damage.
    3. Liability minimums are different for vehicles that are leased.
  2. Collision Coverage is a legal requirement when your vehicle is financed (not completely paid for). It is optional for your Delaware auto insurance policy if the vehicle is not financed.
  3. Comprehensive Coverage, similar to collision, is only required if you are still paying off your vehicle. If the vehicle has been fully financed, and is thus paid for, comprehensive is not required in your Delaware auto insurance policy.
  4. Medical Payments Coverage is advisable to include in a Delaware auto insurance policy though it is not required.
  5. Uninsured (and Underinsured) Motorist Coverage is another optional although recommended insurance option in Delaware.
  6. Personal Injury Protection (PIP) Coverage is required under Delaware state law.
  7. Other Options for your Auto Insurance Policy
    1. Towing Coverage
    2. Rental Coverage
    3. Loan/Lease Gap Coverage
Q: Is Delaware a No-Fault state? 
A: No, Delaware does not have a no-fault insurance system.
 
Q: How can I get a discount on a Delaware auto insurance policy
A: To see if you are eligible for the several ways you may be able to save money on your policy, take a look at our list of auto insurance discounts.
 
Q: Where can I find more information about Delaware auto insurance? 
A: You can consult the following official internet resources for more information on insurance coverage in the state of Delaware:
  1. Delaware Insurance Resources
    1. The Delaware Division of Motor Vehicles (DMV) manages the issuance of driver’s licenses, vehicle titles, and voter registration. The DE DMV website has an auto insurance page which thoroughly explains Delaware auto insurance requirements.
    2. The Delaware Department of Insurance (DOI) helps inform the public of insurance laws and includes auto claims information.
  2. National Insurance Resources
 

CLICKinsure agents are happy to provide their top services to residents of the country’s first state – Delaware. Delaware offers many options in auto insurance plans. Residents in any Delaware city, from Dover to Wilmington, can find reliable insurance information and coverage when they select CLICKinsure as their broker.