Drivers in Delaware are responsible for any loss or damages that occur as the result of an accident they cause. As such, the state requires all of its drivers to carry liability insurance. At the same time, the requirements of the state are kept fairly simple and easy to follow in order to make compliance as hassle-free as possible. At the same time, those drivers that are caught driving without the proper coverage are subject to prosecution.
The minimum coverage requirement in Delaware is 15/30/10. This means that the minimum coverage injury liability coverage is $15,000 per person and the total coverage the driver must carry per accident is $30,000. Every driver in Delaware also must cover a minimum coverage of $10,000 for property damaged in the accident.
Bodily Injury Liability insurance, which is known as BI insurance, is intended to protect the driver if he or she causes an accident. This coverage, which must provide $15,000 of coverage per person and $30,000 of coverage per accident, covers the expenses of injuries or death that may occur during the accident. This includes covering the other driver as well as any passengers involved in the accident or pedestrians.
Property Damage, which is known as PD for short, must provide at least $10,000 of coverage in Delaware. This insurance pays for replacing or repairing any property damaged during the accident other than the driver’s property. This may include the car of the other driver or even walls or other objects that are damaged in the accident.
In Delaware, drivers must also carry Personal Injury Protection, or PIP, in the amount of $15,000 per person and $30,000 per accident. The PIP policy pays for expenses related to any injuries that the driver may receive as well as any passengers in the vehicle regardless of who is at fault for the accident.
In order to register a vehicle in Delaware, drivers must prove that they carry auto insurance. In addition, drivers are expected to always carry proof of insurance with them while driving a vehicle. There are many different types of documents that a driver may use to prove that he or she has the proper coverage.
The simplest way to prove auto insurance coverage in Delaware is to carry a temporary insurance card that has been issued by the insurer. Other documents, however, may be used as well. For example, a driver may carry a premium receipt or an insurance binder that was issued by the insurance agent in order to prove coverage. The driver may also carry the current declarations page from the liability insurance policy or may carry the actual insurance policy. Another option is to carry the certificate of liability insurance policy that was issued by the insurer or by an authorized agent.
Drivers that have recently purchased a vehicle in Delaware can demonstrate proof of insurance coverage by showing a valid insurance card for the vehicle that was replaced by the new vehicle. This method is only valid within 60 days after purchasing the new vehicle.