Liability coverage is legally mandatory in Delaware. It pays for injuries or lost wages incurred by another driver or their passengers in an accident that you cause. If you're involved in a Delaware car accident, especially if your injuries are significant or if there are a lot of discussions about who was at fault for the accident, it may be time to discuss your situation (and your options) with a car accident lawyer. 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.
Keep in mind that these fines and penalties are likely to be negligible compared to the financial impact you could receive if you were in a car accident and didn't have car insurance. PIP insurance can cover lost income along with any medical expenses not covered by your DE health insurance policy (depending on the insurance contract). At its core, car insurance is simply a contract between you and the insurance company of your choice that protects you from financial losses in the event of an accident. Nearly every state has certain mandatory auto insurance coverages included in every additional policy and option you can buy to better protect yourself and your loved ones.
Overall, Delaware has been one of the most expensive states for car insurance in recent years. Every insurance policy has coverage limits, which represent the highest dollar amount your insurer will pay after a covered loss, as described in your policy. This means that the person who was at fault for causing the car accident is responsible for compensating anyone who suffered harm as a result of the accident (although from a practical point of view, it is usually the at-fault driver's insurance company that covers these losses, up to the limits of the policy). If you're looking for more information about car insurance requirements in Delaware, the state Department of Insurance publishes an insurance guide for Delaware drivers.
