Delaware Property & Casualty Insurance License Exam — All Questions

What are Delaware's minimum auto liability limits?

• a.$15,000 / $30,000 / $5,000
• b.$25,000 / $50,000 / $10,000✓
• c.$25,000 / $50,000 / $25,000
• d.$10,000 PIP and $10,000 property damage only

Delaware requires minimum liability of 25,000 dollars bodily injury per person, 50,000 dollars per accident, and 10,000 dollars property damage (25/50/10). Verify current figures with the Delaware Department of Insurance.

Delaware requires personal injury protection (PIP) on auto policies. What are the minimum PIP limits?

• a.$10,000 combined
• b.$15,000 per person / $30,000 per accident, plus $5,000 for funeral expenses✓
• c.$25,000 per person / $50,000 per accident
• d.No PIP is required in Delaware

Delaware mandates PIP of at least 15,000 dollars per person and 30,000 dollars per accident, plus 5,000 dollars for funeral expenses. PIP pays medical and related expenses regardless of fault. Confirm current amounts with the state.

Even though Delaware requires PIP that pays regardless of fault, Delaware is best described as:

• a.A pure no-fault state that bars lawsuits
• b.A tort state with no first-party medical coverage
• c.An add-on PIP state where the injured party keeps the right to pursue the at-fault driver✓
• d.A state with no mandatory auto coverage

Delaware is an add-on state, not a true no-fault state. PIP provides first-dollar coverage, but injured parties retain the right to recover from the at-fault driver's liability coverage for damages beyond PIP, unlike restrictive no-fault systems.