Minimum Car Insurance in Delaware

Every owner of a vehicle required to be registered in Delaware (other than a self-insurer) must carry: liability coverage of at least $25,000 for bodily injury or death of one person, $50,000 for two or more people in one accident, and $10,000 for property damage (25/50/10); personal injury protection (PIP) of at least $15,000 per person and $30,000 per accident for medical, funeral (up to $5,000), lost earnings and related expenses incurred within 2 years of the accident; and $10,000 of property damage coverage for property other than vehicles. Only policies from insurers authorized in Delaware count. Owners may elect PIP deductibles and other reductions in writing.

Delaware is an at-fault (tort) state that requires personal injury protection: every policy must include PIP benefits (at least $15,000 per person / $30,000 per accident) paid to injured occupants and pedestrians regardless of fault, and an injured person may not claim in a lawsuit against the at-fault driver the damages that PIP or the required property coverage pays for. PIP insurers can recover what they paid from the at-fault driver's liability insurer, and disputes between insurers go to arbitration.

Auto liability policies on Delaware vehicles must include uninsured (including hit-and-run) motorist coverage for bodily injury and property damage, in at least the state minimum liability amounts, unless a named insured rejects it in writing on the insurer's form; once rejected, it is not added at renewal unless the named insured requests it in writing. UM property damage is subject to a $250 deductible per accident unless the insured and insurer agree otherwise in writing, and includes loss of use. A vehicle counts as uninsured if it has no coverage at the required limits, its insurer denies coverage or becomes insolvent, or it is a hit-and-run vehicle that made physical contact with the insured or the insured vehicle (or a noncontact vehicle whose driver and owner are both unknown).