Delaware is a no-fault auto insurance state, and it requires PIP (Personal Injury Protection) of $15,000/person.
In a no-fault state, your own Personal Injury Protection (PIP) pays your medical bills after a crash regardless of who caused it, and your right to sue the other driver for pain and suffering is limited to serious-injury cases.
Delaware at a glance
Fault system
No-fault
PIP required?
Yes — $15,000/person
UM/UIM in minimum?
Not required
Limited no-fault for medical.
Delaware Fault System — FAQ
Is Delaware a no-fault state?
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Delaware is a no-fault auto insurance state, and it requires PIP (Personal Injury Protection) of $15,000/person. In a no-fault state, your own Personal Injury Protection (PIP) pays your medical bills after a crash regardless of who caused it, and your right to sue the other driver for pain and suffering is limited to serious-injury cases. Limited no-fault for medical.
Does Delaware require PIP or uninsured-motorist coverage?
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Delaware prescribes Personal Injury Protection (PIP) of $15,000/person as part of its minimum coverage. Uninsured/underinsured motorist coverage is not part of the mandatory minimum, but it is worth adding given uninsured-driver risk.
Why does it matter whether Delaware is no-fault or at-fault?
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It changes who pays and whether you can sue. In a no-fault state your own PIP pays your medical costs first and lawsuits are limited to serious injuries; in an at-fault state the at-fault driver's liability insurance pays and you keep the full right to sue. This affects which coverages you should carry. This is general information, not legal advice — confirm specifics with the Delaware Department of Insurance or a licensed attorney.
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Sarah Mitchell
Editorial Lead, Property & Casualty
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed July 2026
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