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In Delaware, all drivers are required to carry three types of auto insurance coverage as a minimum:
1. Bodily Injury Protection – $15,000/$30,000
If you are responsible for the injury or death of another person and
have minimum coverage, your insurance company will pay:
Up to $15,000 to one person involved in a single accident
Up to $30,000 to all people involved in a single accident, with no
more than $15,000 to any one person
2. Property Damage – $10,000
If you are responsible for damages to another person’s property and
have minimum coverage, your insurance company will pay:
Up to $10,000 to a person involved in a single accident
3. Personal Injury Protection (PIP) – $15,000/$30,000
Whether you are responsible for the accident or not, your insurance
company will pay for the medical expenses and loss of wages for you
and your passengers. If you have minimum coverage, your company
will pay: Up to $15,000 to any one person involved in a single accident
Up to $30,000 to all people involved in a single accident, with no
more than $15,000 to any one person
Also included in PIP (Personal Injury Protection/Medical) coverage is up to $5,000 for funeral expenses.
The minimum amounts in these three categories are very low
and you may wish to buy more coverage to protect yourself
from possible claims in higher amounts. Keep in mind, however, that
as you raise your coverage the amount you pay will increase.