Drivers should also consider taking out other types of auto insurance to better protect themselves, since liability insurance does not cover the injuries or property of the policyholder. Not having an auto insurance policy that meets Delaware's car insurance requirements is illegal and can lead to the driver being fined, penalized, or even incarcerated. Delaware's motor vehicle safety liability law states that any vehicle used on public roads must be insured with liability coverage from a company authorized by the Delaware Insurance Commissioner. These are the minimum coverages for Delaware drivers, but there are plenty of other optional auto insurance coverages to choose from.
For more information, see WalletHub's guides on how much car insurance you need and cheap car insurance in Delaware. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation or exclusion that is expressly stated in any insurance policy. If Delaware drivers don't purchase at least the minimum amounts of auto insurance coverage required by Delaware law, they may face penalties for driving without insurance. Liability limits in auto insurance are the maximum amount your insurance company will pay for injuries and property damage in accidents you cause.
Learn more about coverage options, Delaware car insurance requirements, and other ways to save on car insurance in The First State. A number of factors can affect the cost of car insurance, including the limits and coverages you choose, your driving history, and your zip code. Whether you're crossing the Delaware Memorial Bridge or taking a scenic drive on the Lewes Byway, it's important to know Delaware's car insurance laws to make sure you have the coverage you need. For example, both collision insurance and comprehensive insurance cover damage to the policyholder's car.
PIP insurance can cover lost income along with any medical expenses not covered by your DE health insurance policy (depending on the insurance contract).