It is required by law that Middletown, DE residents obtain automobile insurance of various types. Blue Hen Insurance LLC is here to help you navigate the different types of coverage available to you.
Types of Automobile Insurance Available
One category is PIP or personal injury protection. This coverage is typically purchased in states that follow no-fault laws which declare a person must cover their own expenses regardless of who is at fault for the accident. Delaware is an at-fault state yet still mandates this insurance product.
PIP will cover your medical costs, and it can also make payment for lost wages. State regulations require you to purchase at least $15,000 per person or $30,000 per collision.
In addition, you need to procure liability indemnification. Your Blue Hen Insurance LLC representative and go over the exact scenarios that would be included, but generally speaking, it would pay for expenses resulting in property damage to the other party’s vehicle. It will also extend to their hospital bills and lost income. $25,000 is required per person and $50,000 per wreck.
Collision coverage indemnifies your vehicle in the event that you come into contact with another object, and this can include things like a lamp post, a mailbox, or a car. Comprehensive insurance takes care of situations that do not involve a wreck, such as falling tree branches or hailstorms.
Underinsured protection helps when the other party has insurance but lacks a sufficient amount to cover your costs. An uninsured policy is for situations where another driver has no insurance at all. Gap insurance pays off your loan balance if it is less than what you receive from your settlement.
Get The Right Coverage Today
We invite you to reach out to us today to discuss your specific situation by phone, online, or in person at the office. We serve those who live in and around Middletown, DE, and we look forward to doing business with you.