Every state in USA has some liability requirements. The state of Delaware is no exception. There are laws and penalties for not following those laws. Car insurance is something that is given utmost importance in Delaware. If your car is registered then you have to purchase the minimum auto insurance. You may buy a greater insurance coverage but you have to abide by law and acquire at least the minimum coverage.

Liability requirements:

The state asks the motorists to take an insurance coverage of fifteen thousand dollars in case of injury to one person and thirty thousand dollars if more than one person is injured. Ten thousand dollars are kept for any property damage to the car. After all, repair of the car will also require money.

Thinking of not opting for insurance?

Well, it’s a horrible idea. Police officers in Delaware may haul you up anytime on the road and ask you to show proof of car insurance. If at that time you are unable to do so then you might be asked to pay a fine up to fifteen hundred dollars. Your driving license may also be suspended for six months. If you are a fool enough to commit the mistake again within a span of three years then you will be fined an amount of three thousand dollars.

Sometimes the DMV will audit your car for insurance proof. All the insurance companies in Delaware maintain a FR-19 form. The FR-19 form is an insurance certificate that is issued by the insurance company which proves that you had paid all the premiums on time and there is no lapse in between. You cannot avoid the audit of the DMV. Your driving license will be suspended inevitably and you will also have to pay a fine of twenty five dollars and additional registration fees of fifty dollars. There may be other penalties too.

If you are driving a car that is not registered under the state of Delaware but is registered under some other state then you will have to purchase the minimum liability coverage of that particular state. If there is no minimum coverage of that particular state then you have to purchase liability coverage of Delaware. If you sell off your car then let the Delaware Motor office know about it.

If you do not send a report of sale to their office you may fall victim to unnecessary problems and complications later on. You will get these forms in the office of Motor vehicles of Delaware itself. You will have to surrender the number plates of your car once you cancel your car insurance. The network system of Delaware is pretty commendable. As soon as you cancel insurance of your car then immediately the car insurance company sends a notice to the DMV stating the cancellation. If you don’t surrender the plates then a fine of hundred dollars is imposed per day. Another five dollars is charged after thirty days of notice of cancellation.

So make sure you are aware of all the auto insurance rules of Delaware before you lay hands on your car.