How much personal injury protection do I need in Delaware?

What's a good amount to add to my policy? I was told I needed personal injury protection on my car insurance policy, but I'm not sure how much coverage I need.

Answer provided by
Emily Maracle
Answered on Jul 06, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“In Delaware, the minimum coverage car insurance required for personal injury protection is $15,000 per person and $30,000 per accident. You can also opt to carry higher limits than this.
To figure out how much personal injury protection to add to your policy, you should look at your health insurance. If you have a good health insurance plan with reasonable deductibles or copays, you may not need to carry more than the minimum limit of coverage.
If you don’t have health insurance or have a high deductible plan, you may benefit from having higher PIP limits.
You can ask your current insurance carrier for quotes with a variety of PIP limits. You can also request car insurance quotes from other carriers to determine what PIP limit you can afford.”

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