Delaware car insurance requirements state that anyone who operates a motor vehicle in the State of Delaware must carry at least a minimum amount of liability coverage. Delaware is a no-fault state which means that each individual's insurance company will pay for their expenses if they are involved in an automobile accident. All drivers must carry PIP insurance or Personal Injury Protection insurance. PIP insurance is intended to cover the medical expenses or death benefits of the insured party.

There are some exceptions to the "no-fault" rule however. If medical expenses or property damage for the party that is not at fault exceeds certain amount the party that is found to be at fault for causing the accident would be required to cover the expenses. For this reason, Delaware car insurance requirements also state that drivers must have at least a 15/30/10 plan. What this means is that all drivers must have $15,000 in bodily injury liability coverage per person up to $30,000 in bodily injury liability coverage per incident, as well as $10,000 in property damage liability coverage. These numbers are the minimum allowed by law and you could carry additional coverage if you choose to.

Proof of Insurance

To drive legally you must meet these minimum Delaware car insurance requirements. It is also important that you carry proof of insurance because you are required to provide proof of insurance to any law enforcement official that requests to see it. If you are pulled over for a traffic violation the officer will likely ask to see this proof of insurance so it's a good idea to keep your insurance card in your vehicle at all times.

For additional information or to answer any questions you might have you can visit Delaware's Department of Insurance website at http://www.delawareinsurance.gov/