If you are driving in Delaware, you need to understand the state’s unique car insurance laws. These differences from neighboring states could significantly impact you after an accident.
Understanding your no-fault insurance coverage
As a Delaware driver, you are operating under a “no-fault” insurance system. This means your insurance company will pay for your medical bills and lost wages after an accident, no matter who caused it. This essential coverage, known as Personal Injury Protection (PIP), is mandatory for all Delaware drivers. You must carry a minimum PIP coverage of $15,000 per person and $30,000 per accident. While these amounts might seem substantial, your medical costs can quickly exceed these limits. That is why you might want to consider choosing higher coverage levels for better protection.
Your right to sue after an accident
Even though you are in a no-fault state, you still have the option to sue the at-fault driver in certain cases. If your injuries are severe or your medical bills exceed your PIP coverage, you can explore additional legal paths to compensation.
The hidden complexities
While Delaware’s system aims to streamline claims, you might face challenges with insurance companies. They might question the extent of your injuries or argue about coverage limits. Having an experienced legal professional on your side can make a significant difference in securing the compensation you deserve.
Steps you should take after an accident
You can protect your claim by following these essential steps:
- Take photos, collect witness information and get police reports
- Seek immediate medical attention
- Do not rush about accepting settlement offers
- Keep all medical records and bills
- Consider talking to a lawyer who understands Delaware’s specific regulations
While minor accidents might seem straightforward, serious injuries often involve complex insurance claims. Do not let insurance companies minimize your claim. Protect your rights under Delaware’s distinctive insurance system by making informed decisions from the start.