Delaware · Insurance
Property and casualty: home, auto, flood and wind coverage. Delaware articles from the regional hub.
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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