Delaware Auto Insurance

For the safety of all motorists you are required to have a minimum amount of Delaware auto insurance. This minimum amount is used to protect you and other drivers from the financial troubles that can be involved in a motor accident. If you did not have insurance and were at fault for an accident, you would be required to pay the full amount for injuries and property damage resulting from the accident. This amount could easily rise to tens of thousands of dollars, which most of us could not afford to pay! Insurance protects us from this financial burden.

This insurance is known as liability insurance and is composed of 2 parts:

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1. Bodily Injury Liability - In Delaware, you are required to have at least $15,000 of bodily injury liability insurance per person, and $30,000 per accident. This insurance covers injuries as well as pain and suffering to drivers.
2. Property Damage Liability - You are also required to carry at least $10,000 of property damage insurance as well. This insurance covers damages to the other motorist’s vehicle, as well as all other damage. The at-fault driver's insurance covers the property damage, but it will not cover damages to your vehicle. To have your vehicle protected you need to purchase comprehensive and collision coverage, more information on these types of coverage can be found in the types of coverages section.

As you can tell, these minimum amounts of insurance are quite low, and may not cover all expenses in the case of an accident. Any damages over these minimums will become your responsibility to pay, so it is a good idea to increase these minimums. This will raise your premiums, but this small increase is worth it in order to be fully protected!

To determine how much increasing these coverage’s, or adding collision coverage to your policy will increase your premium, get an auto insurance quote in Delaware , which will compare all auto insurance companies in Delaware and find you the lowest prices.

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