Uninsured Motorist Coverage: Delaware

Wanting to know whether or not you need to get Delaware uninsured motorist insurance? Even though uninsured motorist insurance is not the law in the state of Delaware, you ought to get it. That is because recent studies performed by the Insurance Research Council (IRC) show that nearly 12% of Delaware drivers are driving without insurance. Generally, uninsured motorist insurance covers damage for personal injuries for which an uninsured motorist is legally at fault but cannot pay. UM/UIM coverage is frequently termed Delaware hit and run insurance. Even though you were not to blame, you could be stuck with losses coming from a car accident with an uninsured motorist – until you add uninsured motorist coverage to your automobile insurance policy, of course! No matter whether you need to add uninsured motorist protection to your old insurance plan or pick up a new insurance policy altogether, we can help you reduce costs while being protected from the 108,105 drivers in Delaware that don’t possess coverage. Fortunately, we have partnered with an extensive array of Delaware car insurance carriers that can offer you uninsured motorist insurance. Enter you zip code to compare rates!

Delaware Uninsured Motorist Law

In Delaware, this type of insurance is not required. If a person doesn’t have 15/30/10 worth of coverage (in thousands of dollars) for bodily injury and property damage, she or he is not fully insured. In cases like this, uninsured motorist insurance should pay the discrepancy between what the motorist at fault is able to cover, and what is owed.

Hit By an Uninsured Motorist in Delaware?

Individuals who have been in an accident with someone driving without being insured could have the right to payment for losses. In virtually every state, it’s unlawful for a driver to be uninsured, and may even be treated as a crime. Obviously, it’s important to ask a law firm to examine your uninsured driver or hit and run case.