No. Delaware has what’s known as an at-fault car insurance system. This means, the at-fault party is responsible for paying for all accident-related expenses for all injury victims. This means if another driver caused your collision, their insurance company is normally the one that actually pays for your accident expenses.
What type of car insurance is mandatory in Delaware?
Like most states, Delaware requires all drivers to demonstrate financial responsibility, and most drivers do this by purchasing insurance. The mandatory minimum car insurance requirements for Delaware include:
- $10,000 per accident for property damage, such as vehicle damage.
- $25,000 per person for injury-related expenses for car accident injury victims.
- $50,000 per accident for injury-related expenses for each car accident.
- $15,000 per person and $30,000 per accident for no-fault insurance, also known as Personal Injury Protection (PIP) insurance. This is compensation for medical expenses and lost wages in the event of a collision, regardless of who’s at fault.
What optional car insurance is available in Delaware?
In addition to minimum car insurance requirements, many drivers in Delaware choose to get additional insurance. Common car insurance options in Delaware include:
- Collision insurance, which provides financial compensation to pay for vehicle repairs due to a collision, regardless of who is at fault.
- Comprehensive coverage, which pays for vehicle damage in non-collision incidents, such as natural disaster, theft, vandalism, or hitting an animal.
- Medical payment insurance, also known as "MedPay" coverage, which provides compensation for medical expenses and funeral expenses due to a collision regardless of fault.
- Uninsured/Underinsured Motorist (UM/UIM) coverage, which compensates drivers involved in a collision with a driver who does not have insurance or is underinsured and unable to pay for the total cost of an accident.