Delaware Auto Insurance After License Reinstatement

Covers medical bills, lost wages, and legal fees if you injure someone in an accident you cause. Non-standard carriers writing post-reinstatement policies in Delaware commonly require at least 50/100 limits as a condition of issuing the policy, particularly for DUI-related suspensions.

Pays for damage to another person's vehicle or property.

Pays your own medical bills and a portion of lost wages regardless of fault. Delaware law requires carriers to offer PIP at policy inception—if you do not reject it in writing on the state-approved form, it is automatically added to your policy and premium. Verbal rejection is not valid. Most non-standard carriers include PIP by default for reinstated drivers because the underwriting profile suggests elevated accident risk.

Not a coverage type but a filing your carrier submits to the Delaware DMV proving you carry at least state minimums. The carrier files electronically within 24 hours of policy binding. If your policy lapses or cancels for any reason—missed payment, non-renewal, voluntary cancellation—the carrier notifies the DMV immediately and your license is re-suspended. Delaware does not offer a grace period for SR-22 lapses. The 3-year clock resets from zero on the date of the lapse.

Covers your medical bills and vehicle damage if you are hit by a driver with no insurance or limits too low to cover your losses. Carriers must offer UM/UIM at limits matching your liability selection unless you reject it in writing. Non-standard policies sometimes auto-include UM/UIM for reinstated drivers at 25/50 unless the written rejection form is completed at binding.