Delaware Car Insurance
The law currently requires that all Delaware drivers to be reliable to cover costs associated with car accidents in which may you be involved,. The best way to comply with these laws is by carrying car insurance.
Auto Insurance Requirements
To fulfill requirements Delaware's car insurance, you must have liability insurance to help you pay for costs related to injuries, death, and property damage from a car accident resulting you cause.
Your policy must include the following minimum coverage limits:
• $ 15,000 for injury or death per person
• $ 30,000 for bodily injury or death overall, per accident (When multiple people were
injured)
injured)
• $ 10,000 for property damage, per accident
Personal Injury Protection Insurance
Also Delaware law requires you to have Personal Injury protection (PIP), Commonly known as "no-fault car insurance" While liability insurance costs helps you with associated with injury or damages to others in an accident you Caused, PIP will help pay for your medical costs needed regardless of who caused the accident.
The minimum limit Requirements for PIP in Delaware are:
• $ 15,000 for bodily injury to one person.
• $ 30,000 for bodily injury to multiple people Involved in one accident.
It Also includes up to $ 5,000 for funeral expenses.
Optional Car Insurance
Most Delaware car insurance companies offer the following types of optional coverage:
Collision Coverage – This will help cover damages to your car after a car
accident. This coverage helps If your car is being
financed or leased.
Comprehensive Coverage – This will help pay for damages to your car in several
cases that are out of your control, such as those caused
by inclement weather.
Uninsured Motorists Coverage - These coverages help cover your costs after an incident by inclement weather.
Involving drivers who have inadequate car insurance or no car insurance.
Rental Car Coverage - This coverage (also known as rental car reimbursement)
is an optional addition to your Esurance policy. It helps
cover the cost of a car rental while your regular ride's out of commission due to a covered loss, which can be a car
accident, theft, or vandalism.
SR22
SR22 (the “SR” stands for “safety responsibility”) is a document that verifies that someone has automobile insurance. The SR22 is prepared by an insurance company and then filed (by the insurance company) with the department of motor vehicles (DMV). The SR22 is not an insurance policy. It is evidence that you have a policy. Delaware does not require an SR22 for DUI offenses. However if you have an SR22 filing in another state, and move to Delaware, you must maintain your SR22 in the state where it is required.
FR44
The FR44 requires that your liability coverage limits are significantly higher than state minimums.
Individuals convicted of the following violations may be required to carry an FR44:
- DUI (with or without injury)
- Driving on a suspended license
Individuals convicted of the following violations may be required to carry an FR44:
- DUI (with or without injury)
- Driving on a suspended license
The FR44 is not required in Delaware
Proof of Insurance
As a way to monitor that remain registered vehicles insured, the Delaware DMV can perform audits on cars for proof of insurance.If you are audited for your car insurance, contact your car insurance provider to request them to submit a Delaware Insurance Certification (Form FR-19). This form can only be Submitted-through your insurance company.
Additionally, for you will be required to show proof of insurance any time you are pulled over by a law enforcement officer.
Car accident without insurance
If you are caught and Convicted in Delaware for driving without car insurance, you face the following penalties:
• A minimum $ 1.500 fine ( first offense)
• A minimum $ 3,000 fine ( each subsequent offense within 3 years)
• A six-month suspension of your driver's license.
Delaware Automobile Insurance Plan
Car insurance companies have the right to turn down drivers they deem "high risk" due to poor driving records.
For example, a driver with multiple accidents on their record is likely to be turned down.
If you are reviews having a hard time finding car insurance in the open market, you can apply for insurance through the Delaware Automobile Insurance Plan (DAIP).
All auto insurance companies in Delaware are members of DAIP and share the risks of insuring high-risk drivers Equally.
You can apply for coverage DAIP Delaware-through any car insurance company.
Car Insurance Rates
When shopping for car insurance, keep the following in mind That will factor into your rates:
• Your driving record.
• Your age and gender.
• Your marital status.
• Your car's:
- Make.
- Model.
- Year.
Credit History
Delaware laws limit the way insurance companies can use your credit history.
New Policy-holders: Car insurance companies can use your credit history to help
determine your premium rates when you first obtain coverage with that Car insurance company.
Renewing Policy holders: Your credit can not be used to increase your rates once you already have insurance with one company and renew with that same
insurance company.
However, you can request that your current insurance company review your credit if you think it has improved and can help you get a
lower rate.
Most Stolen Cars in Delaware
1. Honda Civic
2. Honda Accord
3. Chevrolet Pickup Truck (Full Size)
4. Ford Pickup (Full Size)
5. Nissan Altima
6. Chevrolet Impala
7. Dodge Caravan
8. Ford Explorer
9. Nissan Maxima
10. Jeep Cherokee / Grand Cherokee
Car Insurance Companies
Rank Company / Group Direct Premiums Written ($) Market Share (%)
1 State Farm Group 164,236 23.31
2 Nationwide Group 123,796 17.57
3 Berkshire Hathaway Insurance 90,425 12.83
4 Liberty Mutual Insurance Companies 61,601 8.74
5 Progressive Insurance Group 52,752 7.49
6 USAA Group 45,402 6.44
7 Allstate Insurance Group 41,535 5.89
8 Hartford Insurance Group 21,971 3.12
9 Farmers Insurance Group 20,633 2.93
10 Travelers Group 16,442 2.33
