Delaware Auto Insurance & Crash Law

VictimsGuide’s Delaware library organizes the rules that matter after a serious motor-vehicle crash: required liability insurance, mandatory personal-injury protection, uninsured and underinsured motorist coverage, policy interpretation, claims handling, employer and commercial coverage, government claims, comparative negligence, damages, reimbursement, settlement and controlling case authority.

Delaware rules to identify early

• Liability: Delaware requires minimum motor-vehicle liability coverage under its financial-responsibility statutes.
• PIP: Delaware is a no-fault state for specified first-party medical and wage-loss benefits, making the PIP claim a separate track from the bodily-injury liability claim.
• UM/UIM: uninsured and underinsured motorist coverage is governed by 18 Del. C. § 3902, including statutory offer and election requirements.
• Comparative negligence: Delaware follows modified comparative negligence; recovery is barred only when the claimant’s negligence is greater than the defendant’s.

Preserve the complete policy, declarations, PIP endorsements, UM/UIM elections, crash report, photographs, video and electronic evidence, and investigate household, employer, commercial, umbrella and excess coverage before signing a release.

Current-law review: September 17, 2026. Verify current Delaware statutes, regulations, appellate decisions and the policy actually issued before relying on this educational guide.