Delaware Motorcycle Insurance Requirements & Laws

If you ride a motorcycle in Delaware, you definitely need to give motorcycle insurance some thought.

It’s not just about following the Delaware motorcycle insurance requirements and laws. It’s about making sure you’re covered just in case something goes wrong. So, before you get started, it’s important to understand what Delaware’s motorcycle insurance laws are all about. Here’s what you need to know.

Do you have to have motorcycle insurance in Delaware?

Yes, you absolutely do. It’s required by law. If you’re asking yourself, “Do I have to have motorcycle insurance in Delaware?” the answer is a clear yes. You can’t legally ride a motorcycle on Delaware’s public roads without insurance. If you’re caught without it, you’re looking at fines, suspension of your license, or possibly not even being able to register your bike at all.

Delaware requires that all motorcycle owners carry liability insurance. It’s to protect both you and other people if something goes wrong. Accidents happen, and while you hope you’ll never be involved in one, it’s always better to have insurance in place. You don’t want to be stuck paying for medical bills or property damage out of your pocket if something happens.

And don’t forget: your insurance needs to stay active. If your policy lapses for any reason, your insurance company has to let the DMV know. So, even if you forget to renew or let it slip, you could end up in trouble. It’s crucial to keep your coverage up to date to avoid issues.

Delaware motorcycle insurance requirements

So, what exactly does Delaware expect when it comes to motorcycle insurance? The state has some pretty straightforward requirements. To legally ride, your motorcycle insurance policy needs to meet these minimum limits:

• Bodily injury liability: $25,000 per person and $50,000 per accident. This covers medical bills and other expenses if you’re at fault in an accident and someone gets hurt.
• Property damage liability: $10,000 per accident. If you damage someone else’s property – like another vehicle, a fence, or even a building – this helps cover the cost of repairs. While this may seem low, it’s the minimum required. Depending on the value of your bike or the places you ride, you may want to increase this coverage.
• Personal injury protection (PIP): $15,000 per person and $30,000 per accident. This covers medical expenses and lost wages for you and your passengers, no matter who caused the accident.

 

These are just the minimums, though. You might want to consider adding extra coverage, such as collision, comprehensive, or uninsured motorist protection. That way, if something unexpected happens, you’re more fully covered.

Do you need a motorcycle license in Delaware?

Yes, you do need a valid motorcycle license to ride in Delaware. If you’re new to motorcycling or have never gotten a motorcycle license, you’ll need to get one.

For riders over the age of 18, Delaware requires both a written knowledge test and a road skills test. The knowledge test covers the basic rules of the road and motorcycle safety, while the road skills test checks how well you handle your bike.

If you want to skip the road skills test, you can take Delaware’s motorcycle training courses. It’s a good option for new riders or those who want to brush up on their skills. The program teaches things like bike handling, safety, and road awareness, and it can make the whole process easier.

Delaware also offers a special permit for new riders, allowing you to practice under supervision before getting your full license.

What happens if you ride without insurance?

Riding without insurance isn’t just risky – it’s illegal. If you’re caught without insurance, you’ll face fines and penalties. Delaware law enforcement is pretty strict when it comes to making sure motorcyclists have insurance. If you’re stopped and can’t show proof of insurance, you could be cited.

On top of fines, you could have your driver’s license suspended, meaning you wouldn’t be able to legally ride your motorcycle or even drive your car until your insurance is up to date and you’ve paid any fines. And if you’re involved in an accident while uninsured, the penalties are even worse.

Without insurance, you’re also personally responsible for damages or medical expenses if you’re at fault in an accident. Those costs can add up quickly, and you could end up in serious financial trouble, especially if the accident is severe.

Best practices for motorcycle insurance in Delaware

Navigating motorcycle insurance can be a bit overwhelming. Here are some tips to help you choose the best insurance for your needs:

• Know your needs: Think about how often you ride, how valuable your motorcycle is, and your financial situation. If you use your bike daily or take long trips, you might want more comprehensive coverage than someone who only rides on weekends.
• Shop around: Prices can vary a lot between insurance companies. Always compare quotes from different providers to get the best deal. Don’t just go for the cheapest option, though – make sure the level of coverage is sufficient and that the insurer has a solid reputation.
• Consider extra coverage: Delaware’s minimum coverage might not be enough. Additional coverages like collision, comprehensive, and uninsured motorist protection can offer extra peace of mind if something goes wrong.
• Maintain a clean riding record: Like with car insurance, keeping a clean riding history can help reduce your premiums over time. Avoid accidents and traffic violations to keep your rates lower.

What to do after a motorcycle accident in Delaware

Even the safest riders can end up in an accident. If you’re in a motorcycle accident, here’s what to do:

• Ensure safety: Move to a safe area if possible. Check for injuries, and if anyone’s hurt, call 911 right away.
• Report the accident: Contact the police and file a report. This will help with insurance claims and legal matters later.
• Gather information: Take photos of the scene and make note of any important details. Exchange contact information and insurance information with the other party.
• Notify your insurance provider: Let your insurance company know as soon as possible. Provide all the details and follow their instructions for filing a claim.
• Seek legal help: If you’re facing liability or injury claims, it’s a good idea to talk to an attorney who has experience in motorcycle accidents. They can guide you through the process and protect your rights.

How Silverman, McDonald & Friedman Attorneys at Law Can Help

At Silverman, McDonald, & Friedman Attorneys at Law, we understand that motorcycle accidents and insurance laws can be confusing and stressful. Whether you’re dealing with an insurance issue, are involved in a motorcycle accident, or need help navigating Delaware’s motorcycle licensing requirements, we’re here to assist you.

Don’t let legal complications add more stress to your life. Contact us today for a free consultation, and let us help you understand your options and protect your rights.