Delaware High Risk Auto Insurance
The State of Delaware has 86 different insurance providers registered to underwrite and sell policies for automobile liability within the state. Among the offerings are companies like Allstate, Dairyland, First Liberty, Geico, and Hartford. Each is registered with its own rates in the office of the Insurance commissioner.
Lower Minimum Liability Limits
Delaware, like most states, has imposed minimum liability insurance requirements for automobiles. These lower limits on insurance coverage are Bodily injury $15,000 individual and $30,000 per accident, Property damage liability $10,000. Delaware also requires Personal Injury Protection (PIP) coverage of $15,000/$30,000. This coverage is designed to cover "reasonable and necessary" medical expenses incurred by the owners of the vehicle in an accident, even if found to be at fault for causing the accident.
Delaware Chose the Tort System
Delaware is a tort system state when dealing with accidents, meaning that one party will found to be guilty of causing the accident and held financially responsible for injuries and property damage to others involved in the accident. The PIP coverage is considered a "Tort Add-on", meaning that injured parties are entitled to this coverage in addition to any other benefits provided by insurance.
Delaware is Serious About Proof of Insurance
Proof of insurance must be carried in the vehicle at all times. An ID card with policy details and information on the car, declarations page from policy, and other normal types of proof are accepted. This proof must be provided to an officer whenever stopped for any reason. Failure to do so can result in a conviction for not having insurance and a $1500 dollar fine on first offense, $3000 on subsequent offenses. Driver's license suspension of 6 months is also a penalty. Carrying high risk auto insurance may result if you receive fines for lack of proof and/or coverage.