Auto Insurance

In Delaware, all drivers are required to carry three types of auto insurance:

1. Bodily Injury Protection - $15,000/$30,000

If you are responsible for the injury or death of another person and have minimum coverage, your insurance company will pay:

Up to $15,000 to one person involved in a single accident

Up to $30,000 to all people involved in a single accident, with no more than $15,000 to any one person

2. Property Damage - $10,000

If you are responsible for damages to another person's property and have minimum coverage, your insurance company will pay:

Up to $10,000 to a person involved in a single accident

3. Personal Injury Protection (PIP) - $15,000/$30,000

Whether you are responsible for the accident or not, your insurance company will pay for the medical expenses and loss of wages for you and your passengers. If you have minimum coverage, your company will pay:

Up to $15,000 to any one person involved in a single accident

Up to $30,000 to all people involved in a single accident, with no more than $15,000 to any one person

Also included in PIP coverage is up to $5,000 for funeral expenses.

The minimum amounts in these three categories are relatively low and you may wish to purchase additional coverage to protect yourself from possible claims in higher amounts. Keep in mind, however, that as you raise your coverage, your premiums will increase.

Don't Drive Uninsured: Uninsured drivers are against the law and cost other drivers money in higher insurance premiums. Registered vehicles are randomly checked for coverage and insurance companies will notify the state if coverage is dropped. Driving without insurance can cost you a fine, your license plate or your driver's license.

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