Delaware UMUIM Laws


The State of Delaware requires all vehicle owners to carry automobile insurance. However, if the driver who injured you or your passenger did not have car insurance or you were hurt in a hit-and-run accident with an unidentified vehicle, making it impossible to identify the driver at all, you may have an uninsured motorist claim on your own car insurance policy.

This is when Delaware uninsured motorist coverage will step in to protect your interests. Delaware requires automobile insurance companies to offer uninsured motorist coverage to all persons who purchase Delaware car insurance. All Delaware car insurance companies are required by Delaware law to offer to sell you uninsured / underinsured motorist coverage, and you should have uninsured / underinsured insurance motorist coverage, unless you affirmatively chose to exclude such coverage from your insurance policy by signing a waiver. If you have uninsured motorist coverage your car insurance company will act as if it were the at-fault driver’s car insurance company in compensating you.

When you file a Delaware uninsured motorist claim or a, Delaware underinsured motorist claim your car insurance company’s interests are adverse to your interests. Consulting with an attorney before filing a claim is prudent and wise. This is why it is so important to work with an attorney experienced in making Delaware uninsured and underinsured motorist claims against insurance companies such as the Delaware personal injury attorneys Beverly Bove and Vince Hedrick, at 302-777-3500 for a free consultation.  We are experienced Delaware Trial Attorneys serving all of the State of Delaware.  Visit our website at