Driving without valid car insurance in Delaware can result in stiff penalties. Here’s how failing to comply with Delaware laws can affect your car insurance in Delaware quotes.
Driving without car insurance in Delaware is not only risky, but it is also illegal. Delaware state law requires all drivers to have minimum car insurance coverage. Failure to have the required insurance coverage can lead to severe penalties, including fines, license suspension, and even legal consequences.
Delaware’s higher-than-average cost of car insurance has led to a rising number of uninsured motorists on the road. The average Delaware car insurance rate for minimum coverage is $790, and full coverage is $1,785, whereas the national average is around $550 for minimum coverage and $1,675 for full coverage. This makes Delaware the fourth most expensive state in the country for car insurance.
Why you should not skip insurance?
If you think the cost of car insurance is too high and plan on skipping it, think again. According to Delaware Motor Vehicle Laws, all drivers must maintain liability coverage with limits of at least 25/50/10. That means you need at least $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $10,000 for property damage.
Police officers can request proof of this during routine stops or perform the state department’s motor vehicle audits randomly. Acceptable forms of evidence include an insurance ID card, your insurance certificate, or your carrier’s FR-19 declaration. If you have none of these on hand, you will face penalties.
To know more about the various types of car insurance coverage, click here.
What are the penalties for driving without car insurance in Delaware?
Let’s look at the penalties for driving without car insurance in Delaware.
If a police officer pulls you for a routine stop, you may be asked for proof of insurance. You will receive a penalty of $1,500 to $2,000 if you don’t have insurance. If you breach the law again within three years of your first violation, the fines will increase from $2,000 to $4,000.
Since Delaware is a fault state, the consequences of driving without valid car insurance can be more significant than you imagine. This means that you will have to pay for the damages out of your pocket in the event of an accident! In addition, you could get your license suspended for another 6 months.
TL;DR
If caught driving without insurance in Delaware, you may face a fine of up to $1,500. Your driver’s license and vehicle registration may also be suspended until you provide proof of insurance coverage. If your license and registration are suspended, you must pay a reinstatement fee to have them reinstated.
Why should you have car insurance in Delaware?
There’s no better way to put this. If you drive uninsured in Delaware, you are breaking the law. Driving without car insurance also costs other drivers money in higher insurance premiums. Registered vehicles are checked randomly for coverage, and insurance companies will notify the state if coverage is dropped. Driving without insurance can cost you a fine, your license plate, or your driver’s license.
Points to remember when driving in Delaware:
- Before you drive, always make sure your car insurance is in order.
- Car insurance in Delaware is a must.Â
- You can get cheap car insurance in Delaware by comparing car insurance quotes.
- When looking for cheap car insurance, always include regional car insurance companies.
Basics of Delaware car insurance facts
You may face additional consequences if you are involved in a car accident in Delaware without insurance. Delaware is not a no-fault state, meaning drivers are responsible for any damages they cause in an accident. If you are at fault in an accident and do not have insurance, you may be liable for all the damages, including property damage, medical expenses, and lost wages.
Delaware also has a minimum car insurance requirement for drivers. Drivers must have a minimum of $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $10,000 for property damage per accident. These are the minimum amounts required by law, and drivers are encouraged to have higher coverage to protect themselves and others in the event of an accident.
Additionally, if you are involved in a car accident in Delaware with an uninsured motorist, you may be protected by uninsured motorist coverage. This coverage is not required in Delaware, but it is highly recommended as it can help cover your damages if the at-fault driver does not have insurance.
Bottomline
Driving without insurance will result in severe penalties, including fines, license suspension, and legal consequences. To avoid these penalties, ensure that proper car insurance coverage is in place. Contact your insurance provider or an insurance agent to learn more about your coverage options in Delaware.
Remember, being a responsible driver means having the proper car insurance coverage. Don’t risk your finances and your driving privileges by driving without insurance.
Check out our blogs for info on finding top-rated airport parking, the best parking spots in your city, and affordable car washes near you.
Â
