Delaware
Auto minimums, PIP, flood, FAIR Plan notes and uninsured motorist rejection for people in Delaware.
The insurance posts, sorted by who they are written for.
Every Delaware auto policy includes uninsured motorist coverage unless you reject it in writing. Here's what it covers, the $250 deductible, and how hit-and-run claims work.
A Delaware registration needs liability of $25,000, $50,000, and $10,000 plus PIP of $15,000 and $30,000. The card must be in the car. The fine is $1,500, then $3,000. The consumer guide says collision, comprehensive, and uninsured motorist coverage are not required.
If Delaware homeowners or commercial insurance is declined, call the Insurance Placement Facility at (800) 462-4972. Coverage limits were not on that page and are not invented here.
Delaware says standard homeowners and business policies do not cover flood. NFIP ceilings on the Department page are $250,000 and $100,000. A new policy does not take effect for 30 days.
Delaware insurance complaints go to 1-800-282-8611 or (302) 674-7310. The Department is not your lawyer. Auto arbitration, if informal complaints fail, costs $50. No company reply deadline is stated.
Delaware's auto guide says an agent may quote $15,000 of PIP with a $15,000 deductible. Unless you choose otherwise and pay more, that deductible reduces PIP to zero. Ask about restricted versus unrestricted PIP.
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