Delaware Car Insurance
Car Insurance » Delaware
The only way that Delaware residents can prove financial responsibility, in the event of an accident, that meets state laws is to purchase liability insurance. While some states allow residents to self-insure Delaware requires its residents to purchase auto insurance. Drivers of private passenger vehicles must have a minimum of $15k for injury or death of one person, $30k for injury or death of two or more people and $10k for damage to personal property.
These required minimums are small and but it is not realistic coverage if you have a serious accident. They might partly cover the costs for the damage that you cause for the injured party if you are at fault but they will not cover your expenses. If you own assets such as a home or other cars in your name you can put those things at risk if the coverage that you pay for does not cover all the costs of the accident.
Compare auto insurance quotes and get the best quote that affords you all the coverage that you need in the event of an accident. You might want to consider getting collision coverage, uninsured / underinsured coverage or comprehensive coverage if you owe money on the car.
When you purchase insurance the car insurance company will issue a proof of insurance certificate. Keep this in your car at all times to present as proof that you are able to meet your financial responsibility if you’re ever in an accident or pulled over by law enforcement officers on the roadways.
Failing to provide this evidence will result in automatic suspension of your license for six months. This could be more based on your record. You will also have to pay a fine of $1500 or more.
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