Delaware is one of the smallest states in the United States (only Rhode Island is smaller), but it also has some of the nicest stretches of roads from a scenic perspective to ride your motorcycle along. However, before you can enjoy the roads around Wilmington or Dover it is essential that you sort out Delaware Motorcycle Insurance that fits your requirements and which can give you peace of mind that you are protected.
This is important on a number of different levels.
Firstly, there are large fines if you don’t have any motorcycle insurance in Delaware, and yet still ride your motorcycle. These would typically be $1500 for the first offence, and $3000 for a second offence. Plus you could also have your licence suspended for 6 months, so if you rely on your motorcycle to get around or get to work then the ban aspect could potentially cost you much more.
It is actually a lot more common than most people might think for people to drive in Delaware without insurance. In fact, The Insurance Research Council has put an estimate on the number of drivers on the roads at any one time without insurance as being about 15%. So statistically if you have an accident on your motorcycle then there is about a one in six chance that the other party won’t have any Delaware insurance, so you have to protect yourself with preferably full coverage Delaware Motorcycle Insurance.
What are the state minimum requirements for Delaware Motorcycle Insurance?
The state of Delaware has laid down the minimum requirements that any motorcyclist has to adhere to if they want to ride their motorcycle in Delaware. These are:
$15,000 – Liability cover for one person
$30,000 – The liability cover for ALL parties involved in one accident
$10,000 – Property damage cover
This is normally referred to as 15/30/10.
Are the state minimums for Delaware Motorcycle Insurance enough?
It is worth remembering though that those are only the state minimums for motorcycle insurance in Delaware, and that you would be well advised to look into getting a more comprehensive policy that also both increases those basic levels of liability cover, and also covers you for the theft of your bike, fire damage and vandalism.
These are important considerations because the reality of big cities anywhere in the United States is that acts of vandalism do occur, and you could easily find yourself with a scratched motorcycle that costs hundreds of dollars to get the paintwork or chrome back to its original condition.
Plus, statistics from The National Insurance Crime Bureau have shown that only about 20% of motorcycles that are stolen are ever recovered, and so if your motorcycle is unfortunately stolen then you will very likely have to totally replace it. If you cannot afford the cost of replacing your motorcycle then getting Comprehensive Delaware Motorcycle Insurance now becomes something of a no-brainer, because by their very nature motorcycles are extremely portable and easy to steal and you don’t want to come out of a bank one day to see your beloved motorcycle missing, and not have the money to be able to replace it.
Additionally there are natural disasters such as a fire in your garage, a tree branch falling on your bike, or simply accidental damage such as your bike getting knocked over and damaging the pipework that can all cause you to have a bad day.
(You can also check into further legal info about Delaware Motorcycle Insurance on the Delaware Department of Insurance Website here - https://www.delawareinsurance.gov/)
Getting even full coverage Motorcycle Insurance Delaware wide cannot stop those events from happening, but it can at least provide you with the re-assurance that if they do happen that you will be able to set things right.
Remember, people generally gripe about the costs of ALL types of insurance, but that tends to get forgotten when a problem arises that the insurance cover can help to pay for!
So don’t blindly ride around Newark, Pike Creek or Bear without proper cover. Look into getting some affordable Delaware Motorcycle Insurance and rest easier, safe in the knowledge that you are properly protected.