| In 2009, the average Delaware resident spent $500 | | | | basic coverage, often referred to as 15/30/10 |
| more on their auto policy than the national average of | | | | coverage, will satisfy the state's liability requirements, |
| $1,700. Fortunately, states do not fix insurance rates, so | | | | but, of course, drivers may elect to have additional |
| Delaware drivers can get their premiums lowered. The | | | | coverage. |
| best way to do this is by looking at the state's | | | | Additionally, Delaware residents must carry personal |
| requirements, and then adjusting as needed. Here are | | | | injury protection of at least $15,000 per person and |
| the minimal car insurance requirements for the state of | | | | $30,000 per accident. Personal Injury Protection (PIP) |
| Delaware. | | | | helps pay for medical expenses resulting from an |
| Delaware follows a Tort system that basically means | | | | accident. |
| that, in the event of an accident, someone must be | | | | Delaware drivers have the option of choosing |
| found at fault. Then, the at-fault party is responsible for | | | | Uninsured/Underinsured Motorist coverage. Delaware |
| the costs of damages caused by their vehicle in the | | | | does not require this type of coverage, but all drivers |
| accident. Therefore, Delaware has certain liability | | | | should be aware of this type of coverage and its |
| requirements to protect its drivers. | | | | benefits. |
| In Delaware, drivers are required to establish financial | | | | Now that you know the legal requirements, you may |
| responsibility through standard liability coverage. This | | | | need to check with your lender if your car is financed. |
| coverage means the driver is able to pay for | | | | Auto loans usually require additional coverage beyond |
| damages caused by their vehicle in the event of an | | | | the state minimum. This information can be found in |
| accident. Some states allow residents to self-insure or | | | | your buyer's documents or you may choose to call |
| make a deposit at the DMV to meet this requirement, | | | | your lender directly to find out their policy requirements. |
| but in Delaware, liability coverage is the only way to | | | | Once you have covered all the required limits, you are |
| satisfy this requirement. | | | | ready to choose what other coverage you need, if |
| Delaware residents must purchase policies that include | | | | any. Depending on the age and value of your vehicle, |
| the state's minimal liability amounts. These are $10,000 | | | | you may benefit from obtaining comprehensive and/or |
| for property damage, $15,000 for bodily injury per | | | | collision coverage as well. |
| person, and $30,000 bodily injury per accident. This | | | | |