If you’ve been involved in a car accident in Delaware, you may be asking, “Is Delaware a no-fault state?” The answer is yes—Delaware follows a no-fault insurance system. This means that regardless of who caused the accident, your own insurance covers your medical expenses and lost wages through Personal Injury Protection (PIP). The no-fault system is designed to provide faster compensation and reduce the need for lengthy legal disputes after accidents.
Get Appointment
Complete the Form Below and We’ll Get Back to you Immediately.
How Delaware’s No-Fault Insurance Works
In Delaware, all drivers are required to carry Personal Injury Protection (PIP) as part of their auto insurance policy. This coverage helps ensure that after an accident, your medical bills and lost income are covered without having to establish fault. The state mandates a minimum of $15,000 per person and $30,000 per accident in PIP coverage.
Key aspects of Delaware’s no-fault insurance system include:
Immediate Medical Coverage: PIP provides immediate compensation for medical expenses after an accident, regardless of who was at fault.
Quicker Claims Process: Since fault does not need to be established, claims are processed faster, allowing you to receive compensation without unnecessary delays.
What Does PIP Cover in Delaware?
Delaware’s PIP coverage includes a wide range of costs associated with car accidents, such as:
Medical Bills
PIP covers necessary medical treatment, including doctor visits, surgeries, hospital stays, physical therapy, and rehabilitation services.
Lost Wages
If your injuries prevent you from working, PIP helps replace lost income during your recovery.
Funeral Expenses
In the unfortunate case of a fatal accident, PIP may assist with funeral and burial costs.
Can You Still File a Lawsuit in Delaware?
While Delaware is a no-fault state, it does not place limits on your ability to file a lawsuit. If your PIP coverage doesn’t fully compensate for your losses, or if you’ve suffered severe injuries, you can file a personal injury lawsuit against the at-fault driver. This allows you to seek compensation for:
- Pain and Suffering: In addition to medical bills and lost wages, you can pursue compensation for the physical and emotional distress caused by the accident.
- Property Damage: PIP only covers medical expenses, so you can seek compensation for vehicle damage directly from the at-fault driver’s insurance.
Comparative Negligence in Delaware
Even though Delaware allows for lawsuits in a no-fault system, the state follows the principle of comparative negligence. This means that if you are partially at fault for the accident, your compensation may be reduced by your percentage of fault. However, as long as you are less than 50% responsible, you can still recover damages.
Comprehensive Accident and Injury Center: Here to Help
At Comprehensive Accident and Injury Center, we understand how overwhelming and stressful the aftermath of a car accident can be. Our team of healthcare professionals specializes in diagnosing and treating injuries from auto accidents, providing expert care tailored to your recovery needs. Whether you’re suffering from whiplash, back pain, or other injuries, we offer advanced diagnostic tools and treatment plans to get you back on your feet.
In addition to medical care, we also understand the legal complexities surrounding car accidents. If you’ve been involved in a crash, we can connect you with trusted car accident attorneys in Bear, Delaware who specialize in handling these types of cases. Our network of legal professionals can help you navigate the insurance process, negotiate with insurance companies, and pursue the compensation you deserve.
From providing medical expertise to connecting you with legal resources, Comprehensive Accident and Injury Center is here to support you every step of the way during these challenging moments. Don’t wait to seek help—contact us today to schedule an appointment and begin your path to recovery.
Disclaimer:
The information provided on this page is for informational purposes only and is not intended to replace the advice or counsel of a qualified attorney. At Comprehensive Accident and Injury Center, we are specialists in diagnosing and treating car accident injuries, including chiropractic care, physical therapy, and other rehabilitative services. However, we are not attorneys. For specific legal advice regarding your accident, we encourage you to consult with a licensed car accident attorney to fully understand your rights and legal options.
Dr. Jack Norsworthy
Dr. Jack Norsworthy is a Doctor of Chiropractic Medicine and Founder of the Comprehensive Accident and Injury Center. He's passionate about providing the highest quality of Chiropractic care in Delaware and surrounding communities. Check back for more updates from Doctor Norsworthy as he shares more information about musculoskeletal injuries, Chiropractic care, and healthy lifestyle habits.
Dr. Jack Norsworthy
Dr. Jack Norsworthy is a Doctor of Chiropractic Medicine and Founder of the Comprehensive Accident and Injury Center. He's passionate about providing the highest quality of Chiropractic care in Delaware and surrounding communities. Check back for more updates from Doctor Norsworthy as he shares more information about musculoskeletal injuries, Chiropractic care, and healthy lifestyle habits.
