subject: Delaware Auto Insurance - Basic Facts To Know [print this page] Delaware Auto Insurance - Basic Facts To Know
Delaware auto insurance regulations are very clear and are for the protection of road users from reckless drivers. To drive legally in Delaware, you would need to fulfill some requirements. Know these requirements and you can drive freely in the state.
The state of Delaware requires that every driver purchases a minimum auto insurance liability coverage. The minimum required is popular known as 15/30/10. What does this mean?
"15" refers to the $15,000 state required minimum liability cover for bodily injuries per person in an accident while the "30" refers to the $30,000 state required minimum liability coverage for bodily injury per accident and finally, the "10" refers to the $10,000 state required minimum liability cover for property damage per accident.
These are the state required minimum cover required by every driver. It is obvious that though this looks much, it may not be enough in some situations and if this is all the cover you have, it then means that the remaining expenses would have to come from your pocket. I am sure you do not want this.
Some drivers go ahead to drive without these minimum liability coverages and in doing this, they risk paying huge fines, losing their driving license and car registration. Because of drivers like this, it is necessary to consider getting more cover. Some coverages you can consider are:
1. Uninsured or Under-insured driver cover. We already know some drivers have no cover while some others have just the state minimum. Either way, if you there is an accident involving you and a driver like that, even if s/he is the wrong party, they may not have the funds to cover your expenses. This cover can handle that for you while you think of taking any other actions.
2. Collisions cover. This would give your car cover against damage in an accident even if you are at fault.
3. Comprehensive cover. Like the name suggests, it provides a more robust cover that could include cover against acts of nature, theft, fire etc.
You may be interested in getting these policies but think the cost would be too much. Yes, it could be costly but if you know what to do, you can enjoy a more affordable auto insurance. You can get a more affordable auto insurance cover if you take some time to get and compare quick auto insurance quotes. You can even save more by taking advantage of discounts available with your insurer. Talk to your insurance agent about this. Drivers in Delaware can also get more information from the state of Delaware Department of Insurance at 302-674-7300. Do all you can to make the most of your insurance cover.
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