Drivers in Delaware can choose from a number of optional car insurance coverage options. If the vehicle has been financed, the lender will likely insist that the vehicle be protected by collision and comprehensive coverage.
Collision insurance pays for the cost of repairing the vehicle after it has been damaged in an accident. Comprehensive insurance coverage pays for damage caused by other circumstances, including acts of vandalism, fire, flooding, hail and theft. This portion of the policy also pays out if the windshield is damaged.
Uninsured motorist coverage pays out when the at-fault driver does not have insurance or can’t be identified. The insurance company may pay out on a claim made under this portion of the policy and then look to the at-fault driver to pay reimburse it.
Underinsured motorist insurance is used when a driver is involved in an accident that is not his or her fault and the other driver doesn’t have enough coverage to pay for the damages caused. The other driver’s insurance plan pays out up to its policy limits, and the underinsured coverage makes up the difference (up to its policy limit).
Towing and labor coverage is also available to drivers in Delaware. When a car breaks down, it pays for the cost of transporting it to a garage. The premiums for this type of coverage are not expensive, but it may be possible to get this protection with an auto club membership.