What kind of coverage is required to meet the minimum mandated insurance requirements for auto insurance in Delaware?

To meet the minimum mandated insurance requirements for auto insurance in Delaware, the correct answer is bodily injury liability and personal injury protection. Bodily injury liability coverage is essential as it provides protection if you are responsible for causing injury to another person in an accident. This coverage ensures that you have financial protection against claims for medical expenses, lost wages, and pain and suffering that the injured party may pursue.

Personal injury protection (PIP) is also mandated, offering coverage for your own medical expenses and those of your passengers, regardless of who is at fault in an accident. This coverage is crucial as it helps to address immediate medical costs, ensuring that individuals have access to necessary healthcare without lengthy claims processes.

Other options do not fulfill the state’s requirements. Comprehensive and collision coverage are optional additional coverages that protect against vehicle damage or loss due to non-collision related incidents or accidents, but they are not required to legally operate a vehicle in Delaware. Property damage liability only provides limited coverage that does not address bodily injuries or medical expenses, while uninsured motorist coverage, though important, primarily protects against liability from accidents caused by uninsured drivers, and is not a standalone requirement. Therefore, the combination of bodily injury liability and personal injury protection represents the minimum essential coverage mandated by