In the aftermath of a car accident, it would be fair to assume that those involved would stay on the scene. However, this is not always the case. Occasionally, for one reason or another, drivers will opt to flee.
This can result in a multitude of problems, particularly where insurance is concerned. Familiarizing yourself with driver insurance law in Delaware could just save you a lot of stress.
How does insurance work in Delaware?
Delaware is an at-fault car insurance state. Typically, this means that after a collision you can either:
- File an insurance claim with your own insurance provider
- File a claim with the opponent’s insurance, or
- Pursue a personal injury claim against the opponent.
When drivers leave the scene of an accident, individuals are often left with the worry that they will have no way to make a claim. However, adding uninsured motorist coverage (UM) to your policy is one way to tackle this. By adding UM, you are protected in instances where drivers have no insurance. Moreover, UM also protects you from motorists who have fled the scene of an accident.
It is important to note that UM only covers expenses that relate to injuries. Consequently, costs that reflect vehicle damages should be claimed through your policy’s collision coverage.
What if insurance providers refuse to pay up?
If your insurance provider refuses to offer adequate compensation, you are entitled to complain through the Delaware Department of Insurance (DDI). Typically, a DDI analyst will update you on the status of your case within two weeks of filing. If the DDI decides to pursue a formal investigation, the case will usually be resolved within a month or two. At this point, the DDI will reach a conclusion as to whether your insurer has committed a violation or not. Even if they decide that no violation has taken place, there are still further legal options available, such as a civil claim against the insurance provider.
Familiarizing yourself with the law and benefits of comprehensive insurance can protect your interests. If you have been involved in a car accident with a hit-and-run driver, then it is crucial to know about your legal rights and obligations.