Jane Dotson
Driving without insurance in Delaware can lead to fines of up to $4000 and a six-month license suspension. If you are required to provide proof of insurance, you must contact your insurance company/agent immediately and have them email or fax the DMV with a Delaware Insurance Certification Form FR-19. The FR-19 is a certification that the vehicle has been continuously insured and that coverage is presently in force. If you are unable to provide proof of insurance when requested, you will face penalties.
| Characteristics | Values |
|---|---|
| Who to contact for proof of insurance | Delaware Division of Motor Vehicles (DMV) |
| What to do if your vehicle is audited for proof of insurance | Contact your insurance company/agent and have them email or fax the DMV with a Delaware Insurance Certification Form FR-19 |
| What happens if you don't respond to the DMV insurance audit | The vehicle registration and all owners' driver's licenses will be suspended, and there will be a $50 reinstatement fee for each registration |
| What to do if you move | Notify both your insurance company and the DMV of your new address |
| What happens if you don't surrender your plates when you cancel your insurance | You may be audited to provide proof of valid liability insurance from the date of cancellation. Penalties include fines of $100 per vehicle for being uninsured from 1-30 days, and an additional $5 per vehicle for each day after 30 days |
| Minimum liability insurance requirements | Bodily liability insurance coverage of at least $25,000 per person and $50,000 per accident, along with $10,000 for property damage per accident. Personal injury protection (PIP) coverage of at least $15,000 per person in an accident and $30,000 per accident |
| Penalty for driving without insurance | Fines of up to $4,000 and a six-month license suspension |
| What to do if your policy is marked inactive | Pay an uninsured motorist penalty fee, which is based on the number of days you go without insurance. Provide an FR-19 Delaware Insurance Certification when asked by the DMV |
| How to get your driving privileges reinstated | Produce your proof of insurance to the DMV, pay a $50 reinstatement fee for your driver's license and/or registration, and wait through the suspension period |
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What You'll Learn
Proof of insurance requirements in Delaware
In the state of Delaware, all vehicles must be insured at all times, even if they are not currently on the road. The minimum liability insurance coverage required in Delaware is $25,000/$50,000/$10,000, with a Personal Injury Protection (PIP) minimum of $15,000 for any one person and $30,000 for all persons injured in any one accident. This applies to all vehicles registered in the state, and to out-of-state vehicles being operated in Delaware.
If you are stopped by a law enforcement officer in Delaware, you will be required to show valid proof of insurance for your vehicle. This can be in the form of a Delaware insurance identification card, which must be either in the possession of the driver or carried in the vehicle. Failure to provide proof of insurance can result in a fine of $1,500 for the first offence and $3,000 for subsequent offences, as well as suspension of the vehicle registration and the driver's license.
If the DMV audits your vehicle for proof of insurance, you must contact your insurance company or agent immediately and have them email or fax the DMV with a Delaware Insurance Certification Form FR-19. This form certifies that your vehicle has been continuously insured and that coverage is currently in force. Failure to respond to a DMV insurance audit can result in suspension of the vehicle registration and the owner's driver's license, as well as reinstatement fees of $50 for each registration.
If you are cancelling your vehicle insurance, you must first surrender your license plates to the Delaware DMV office. You may take your tags to the nearest office, or mail them along with an explanatory note. If you do not surrender your plates, you may be audited to provide proof of valid liability insurance from the date of cancellation. Penalties for being uninsured include $100 per vehicle for the first 30 days, and an additional $5 per vehicle for each day thereafter.
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How to provide proof to the DMV
In the state of Delaware, it is a requirement to have a minimum liability insurance coverage of $25,000 per person and $50,000 per accident, as well as $10,000 for property damage per accident. Additionally, drivers must carry personal injury protection (PIP) coverage of at least $15,000 per person and $30,000 per accident.
If you are asked to provide proof of insurance to the DMV, there are several ways to do so. Firstly, you can present an insurance ID card issued by your insurance carrier. Secondly, you may provide your official certificate of insurance, which certifies that your vehicle has been continuously insured. Lastly, you can submit an FR-19 statement from your carrier, which is a Delaware Insurance Certification Form. This form can be emailed or faxed to the DMV by your insurance company or agent. The email address for uninsured motorists is [email protected], and the fax number is 302-739-4750.
It is important to always carry proof of insurance when driving, as law enforcement officers may request it during a routine traffic stop. Failure to provide valid proof of insurance can result in fines of up to $4,000 and a suspension of your driving license for six months. If you are unable to provide proof of insurance when requested, you will be subject to penalties.
If you have cancelled your vehicle insurance, you must surrender your license plates to the Delaware DMV office before doing so. You may take your tags to the nearest DMV office, and they will be returned without charge if you provide proper insurance and your registration has not expired. Alternatively, you can mail your tags to the DMV along with an explanation for surrendering them. If you do not surrender your plates, you may be audited by the DMV to provide proof of valid liability insurance from the date of cancellation.
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Penalties for driving without insurance
Driving without insurance in Delaware is against the law and can result in various penalties. The state requires all drivers to carry proof of insurance, and not doing so can lead to fines and other consequences. Here are the penalties for driving without insurance in Delaware:
Fines
For a first offense, drivers can be fined a minimum of $1,500. Fines for subsequent offenses committed within three years can increase to $3,000, and for repeat offenses within three years, the fine can be as high as $4,000. These fines are separate from any financial consequences resulting from an accident, which must be paid out of pocket in Delaware, an at-fault state.
License Suspension
After two or more offenses, drivers in Delaware may have their driver's licenses suspended for up to six months. This suspension comes with reinstatement fees of $50 for each registration.
Increased Insurance Premiums
Even if drivers obtain the required insurance coverage after a lapse, they may still face higher premiums and be considered high-risk drivers.
Difficulty in Obtaining Compensation
Driving without insurance can make it challenging to receive compensation for damages if you are not at fault in an accident. Additionally, if found even partially responsible, you may have to cover all associated costs yourself.
Administrative Fees
If you have insurance but cannot provide proof when pulled over or at the scene of an accident, you are guilty of an administrative violation. This is similar to a seatbelt ticket and can be dismissed if proof of valid insurance is provided to the court by your court date.
It is important to note that Delaware uses an electronic verification system to randomly audit vehicles, making it easier to identify uninsured drivers. Therefore, it is crucial to maintain the minimum liability coverage required by the state to avoid these penalties.
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Minimum insurance coverage requirements
Driving without insurance in Delaware is illegal and can result in serious consequences. If a police officer stops you for any reason, you will be required to show valid proof of insurance on your vehicle.
The minimum amount of Delaware auto insurance coverage is $25,000 per person for bodily injury liability, with a total maximum of $50,000 per incident, and $10,000 for damage to another person's property. This basic coverage pays the medical bills, property damage bills, and other costs of drivers, passengers, and pedestrians injured or killed, or whose vehicle is damaged, in a car accident caused by you or another covered driver, up to coverage limits.
In Delaware, the minimum Bodily Injury Liability (BIL) coverage is $25,000 per person and $50,000 per accident. Property Damage Liability (PDL) coverage has a minimum coverage of $10,000 in Delaware. Personal Injury Protection (PIP) coverage has a minimum coverage of $15,000 per person and $30,000 per accident.
If you are driving a vehicle without the proper insurance, upon conviction, you will be fined not less than $1,500 for the first offense and fined $3,000 for each subsequent offense occurring within three years of a former offense. Driving licenses and/or privileges will also be suspended for six months.
If you are audited by the DMV for proof of insurance, contact your insurance company/agent immediately and have them email or fax the DMV with a Delaware Insurance Certification Form FR-19. The FR-19 is a certification that the vehicle has been continuously insured since the verification date and that coverage is presently in force.
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Acceptable forms of proof
In the state of Delaware, you are required to maintain liability coverage with minimums of $25,000 per person and $50,000 per accident, along with a $10,000 minimum for property damage per accident. Delaware drivers must also carry personal injury protection (PIP) coverage of at least $15,000 per person and $30,000 per accident. It is mandatory to always carry proof of coverage when driving.
- An insurance ID card issued by your carrier: This card must be valid and kept in the vehicle at all times. It should be produced upon the request of a police officer or any other party involved in an accident with the insured.
- Official certificate of insurance: This certificate serves as proof that your vehicle is insured and that the coverage is presently in force.
- FR-19 statement from your carrier: The FR-19 Delaware Insurance Certification is required when the state's department of motor vehicles audits your vehicle for insurance compliance. It certifies that your vehicle has been continuously insured and that your policy is currently active.
Failure to provide valid proof of insurance upon request by a law enforcement officer can result in significant fines and license suspension. Driving without insurance in Delaware can lead to fines of up to $4,000 and a six-month license suspension. Additionally, if you are unable to provide proof of insurance during an audit by the Delaware Division of Motor Vehicles (DMV), you may be subject to penalties even if you have valid coverage.
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Frequently asked questions
Driving without insurance in Delaware can lead to fines of up to $4000 and a six-month license suspension. The minimum fine for a first offense is $1500, increasing to $3000 for each subsequent offense within three years.
Contact your insurance company/agent immediately and ask them to email or fax the DMV with a Delaware Insurance Certification Form FR-19. This certifies that your vehicle has been insured since the verification date and that coverage is currently in force.
Acceptable forms of proof include an insurance ID card issued by your carrier, your official certificate of insurance, or an FR-19 statement from your carrier.
