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  • Writer's pictureEmily L. Raisis, Esq.

Your Handbook to Delaware Personal Injury Protection (PIP) Benefits

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Navigating the intricacies of auto insurance in Delaware can be a daunting task, especially when it comes to understanding the ins and outs of Personal Injury Protection (PIP) benefits. So, let's delve into the complexities and unravel the mysteries of PIP to ensure you're fully informed and prepared for any road ahead.

So You Got Into An Accident…

Picture this scenario: you find yourself in a motor vehicle accident. It's a stressful situation, but with PIP, you have a safety net. Delaware operates on a "no-fault" system, meaning PIP coverage is triggered irrespective of fault. Understanding this fundamental aspect can be pivotal in managing post-accident scenarios effectively.

Let’s Talk Numbers

Now, let's get into the numerical specifics. In Delaware, PIP coverage typically begins at $15,000 per person/$30,000 per accident. However, increasing these limits is a wise option for enhanced protection against unforeseen circumstances. After all, accidents can result in substantial financial repercussions.

Are You Eligible?

Curious about eligibility criteria? Eligibility hinges on the inclusion of PIP in your policy and the involvement of motorized vehicles in the accident, whether it’s cars, motorcycles, or even bicycles. This inclusive scope ensures coverage extends beyond just vehicular occupants to encompass pedestrians and cyclists.

PIP coverage is designed to protect you regardless of who is at fault in an accident. The coverage applies to the vehicle you are in at the time of the incident, ensuring that your medical expenses and lost wages are taken care of under that vehicle's policy. This means that whether you're the driver or a passenger, you'll receive the necessary support to cover these critical expenses.

What's Covered?

But what exactly falls under the umbrella of PIP coverage? Medical expenses, diagnostic procedures, and rehabilitative services are among the covered expenses. Also, if injuries impede your ability to work, PIP can provide partial compensation for lost wages, alleviating financial strain during recovery periods.

Why You Need Better than Basic Coverage

While standard PIP coverage might seem sufficient, the reality is that $15,000/$30,000 limits can be exhausted quickly, leaving you with significant out-of-pocket expenses. Medical bills and lost wages can add up faster than you might expect, and having higher coverage limits can provide much-needed financial protection. We recommend considering PIP coverage up to $100,000/$300,000 to ensure you have adequate support in the event of an accident.

Avoiding PIP Deductibles

Opting for a PIP deductible might seem like a way to save money on your insurance premiums, but the savings are often minimal. More importantly, having a deductible can significantly reduce or even eliminate the benefits of your PIP coverage when you need it most. It's generally best to choose PIP coverage without a deductible to ensure you receive the full benefits without any unexpected reductions.

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Talk to an Attorney

Going through the claims process doesn’t need to be intimidating. Make sure you are promptly informing your insurer and sticking to the prescribed timeline for filing claims – typically within 27 months post-accident – ensures seamless processing and prevents potential loss of entitled compensation.

Seeking clarity amidst the complexities of auto insurance is prudent. Consultation with knowledgeable professionals, such as insurance agents or legal experts, can provide tailored guidance, ensuring your insurance strategy aligns with your unique circumstances.

Comprehending the nuances of PIP benefits in Delaware is pivotal for informed decision-making in safeguarding your financial well-being. As you traverse the roadways, equipped with this knowledge, may your journey be both safe and secure.


At Kimmel Carter, our team of experienced attorneys is dedicated to guiding you through the Delaware Personal Injury process. If you have been involved in an accident, please call us for a free legal consultation at (302) 565-6100.



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