What is the minimum coverage for Personal Injury Protection (PIP)?

In Delaware, the minimum coverage for Personal Injury Protection (PIP) insurance is set at $15,000 for bodily injury per person, $30,000 for total bodily injury per accident (when multiple individuals are injured), and $15,000 for property damage. This establishes a baseline for coverage that is designed to pay for necessary medical expenses and certain other costs incurred due to an automobile accident, regardless of who is at fault.

It's important to note that these minimum limits are designed to ensure that individuals have a level of financial protection in the event of vehicular accidents and facilitate access to medical care. The set limits help ensure that PIP coverage remains affordable while still providing essential benefits.

In contrast, the other coverage options presented represent higher minimums or varying configurations that exceed the requirements set by Delaware law. Each of those figures could potentially provide more coverage than what's mandated, which is not necessary for meeting the minimum legal requirement in Delaware.