Motorcycle Insurance Minimum Requirements in Delaware
Motorcycle Insurance in Delaware
Motorcycle accidents can be traumatizing, and if you are involved in one, the last thing you want to worry about is money. Having a good motorcycle insurance policy can go a long way toward easing any worries you might have when it comes to crashes and finances.
In Delaware, having insurance for your bike is not an option. Your registered motorcycle must be covered by motorcycle insurance.
Delaware Motorcycle Insurance Requirements
State law requires you to have motorcycle liability insurance for your bike. Liability insurance will help pay for costs related to property damage and injuries suffered by others resulting from an accident you cause.
In order to be compliant with Delaware law, your motorcycle insurance policy must include the following minimum coverage limits per accident:
- $25,000 for bodily injury per person.
- $25,000 for total bodily injury if multiple people are hurt in the accident.
- $10,000 for property damage.
Keep in mind that these are only the state’s minimum requirements. Accidents can be costly, and you might want to consider purchasing higher limits that will offer you additional financial protection.
It is important to understand that liability insurance will not pay for your own injuries or property damage (damages to your motorcycle). There are, however, some common optional coverages that can help protect you where liability cannot.
The following optional motorcycle coverage types are widely available amongst motorcycle insurance companies:
- Collision – This will help pay for damages to your motorcycle after a crash.
- Comprehensive – This coverage will help with repairs to your bike if it gets damaged in cases not involving traffic accidents. Examples may include damages from severe weather and vandalism.
- Medical payments – If you are hurt in an accident, this coverage will help pay for costs related to your injuries.
- Towing and labor – This coverage will help you during a breakdown by helping provide and pay for roadside assistance and towing.
Several other types of optional coverage may be available to you. As you get a motorcycle insurance quote, look closely at all options, as purchasing these options will increase your motorcycle insurance rate.
DE Insurance Violations and Penalties
Remember, motorcycle insurance is a requirement - not an option.
If you are caught without proper motorcycle insurance, you face fines and the suspension of your driver’s license.
It is also important to note that that insurance violations can make it more difficult for you to find an insurance company willing to cover you. Once you do, you will pay higher rates.
Motorcycle Safety Discount
As a way to promote motorcycle safety, Delaware has laws regarding insurance discounts to riders who take approved motorcycle courses.
If you successfully complete a Basic Rider Course, you are eligible for a 10% discount on your motorcycle liability insurance rate.
If you successfully complete the Experienced Rider Course or Advanced Rider Course, you may receive a 15% discount on your liability insurance.
To receive these discounts, provide your Student Completion Card (obtained through the course) to your motorcycle insurance company.
Delaware requires that all riders have an approved helmet in their possession. However, only riders up to 19 years old must wear their helmet.
While this law makes wearing a helmet optional for most riders, the state and your insurance company highly suggest that all riders wear helmets.
In fact, some insurance companies will offer motorcycle riders discounts on their motorcycle insurance rate if they wear their helmet each time they ride.
Helmets increase safety for riders, which is good news for insurance companies. The safer you are, the less likely an insurance company will have to pay out on a claim.
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