Car insurance for Delaware has requirements that all drivers have to have with them while they are driving. This means that even if you do not own the car, you must ensure that the car is properly insured for at least liability car insurance. You must therefore check the insurance identification card of the car before driving on public access roads and highways of Delaware. And in Delaware without the proof of insurance, the cars registration process can still be completed, so it is best to ask the owner of the vehicle if the car is properly insured.

Aside from the driving requirements, before you can inspect, title and register a vehicle in Delaware, your car must have the required minimum liability car insurance coverage. The minimum requirements in Delaware for liability car insurance coverage are $10,000 for property damage, $15,000 for personal injury or death to one person per accident and $30,000 for personal injury or death to more than one person per accident.

In Delaware you must have your insurance identification card in the car at all times. If you do not have the insurance identification card yet, you can have the original policy or binder as your proof of insurance. Your binder must be considered as new – meaning it was issued not more than 30 days ago. In case of an accident or traffic violation, you will have to present to the officer of the law your insurance identification card or proof of insurance.

If you fail to present proof of insurance, you shall be fined a minimum amount of $100 to as high as $1,500 for the first offense. If you again fail to show proof of insurance for the second time, you may have to pay as much as $3,000. There are also additional corresponding penalties, such as suspension of your drivers license.