Reader’s Question:

Do I need PIP in Delaware? What other coverage do I need to carry?

Melanie,

Wilmington, DE

Carrying at least a Personal Injury Protection or PIP is a requisite by auto insurance in Delaware. This is because, unlike other states in the U.S, Delaware doesn’t abide by the no-fault rule and therefore motorists pay for their own expenses if accidents incur. Covering lost wages and funeral expenses are some of the special benefits, aside from the usual medical and damage in property expenses, of PIP.

Auto insurance in Delaware also requires liability insurance. The minimum coverage for single victim is fifteen thousand dollars and thirty thousand dollars for the combined medical expenses of multiple victims. The insurance also covers the damages in property for a minimum of ten thousand dollars. The coverage mentioned will handle the costs incurred by the victim. If his/her car will have to be fixed, it will also be covered by liability insurance.

It is not a hidden fact that costs incurring from accidents can be so much of a burden so getting higher coverage, instead of just getting the minimum amount, is advisable. Availing of the collision and comprehensive coverage to pay for his/her vehicle repairs and other costs after an accident is a good option for motorists. Not having one of these would give one a big disadvantage; he/she might have to shell out money from his/her own pocket to pay for the expenses.

Uninsured/underinsured motorist coverage is highly recommended for drivers because carrying liability insurance is not required to all states. Otherwise, the victim will shell out cash for the expenses in case the at-fault driver does not carry liability insurance. Hit and run accidents are also involved.

Refrain from buying expensive car model if you are looking for a cheap insurance rate. A good driving record and credit is essential. Other car accessories such as safety belt, airbags and other features to ensure safety can contribute to make your insurance cheaper. Use rates you gather from other auto insurance.

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