Auto insurance pays up to your policy limits for physical damage and/or bodily injury resulting from traffic collisions and any liability claims that could arise from such incidents.

An auto policy may also offer cover against theft of the vehicle and damage to the vehicle, sustained from things other than traffic collisions.

Auto Insurance Coverages

Listed below are some of the major components of an auto policy.  Some may be required by law.  Others are optional.

Covers the injuries the policyholder causes to someone else.

Covers damage the policyholder causes to someone else’s property.

Covers damage to the policyholder’s car from a collision.

Comprehensive covers damages to your vehicle that are out of your control or considered "an act of God".  Some examples would be hail damage, hitting an animal, theft and vandalism.

Covers costs resulting from an accident involving a hit-and-run driver or a driver who does not have insurance.

This coverage pays the fair cost for the following emergency services for a covered car including towing.

Pays up to the amount you choose when you rent a car while your car is not drivable due to a loss that would be payable under Comprehensive or Collision Coverage.  

Death, Dismemberment and Loss of Sight pays a certain amount for death of, or loss to, an insured arising out of the maintenance or use of a motor vehicle (such as loss of hands, feet, or eyesight). The death or loss must be the direct result of the accident and not due to any other cause. The death must occur within the 24 months from the date of the accident and the loss must occur within 90 days of the accident.

State specific Coverages

Pennsylvania Specific Coverages


Pennsylvania gives you the right to choose from  limited tort and full tort.  Under full tort you and the members of your household maintain the right to seek financial compensation for injuries caused by other drivers for things such as pain and suffering.  Under limited Tort you limit your right to sue. Under this form of insurance, you and other members of your household covered under this policy may seek recovery for all medical and other out of pocket expenses but not for pain and suffering and other non-monetary damages. However, if the injuries fall under the definition of “serious injury” or caused by a driver under the influence, you maintain your right to sue for non-monetary damages.  Choosing Limited tort will decrease your auto premium.

Stacking vs. Non-Stacking

This applies to both uninsured and underinsured motor vehicle coverage.  If your household owns more than one vehicle you may want to stack the coverage limits to increase coverage.  For example, if your uninsured/underinsured bodily injury coverage is $100,000 per person, $300,000 per accident and you have two cars, your limits will actually be $200,000 per person and $600,000 per accident for this coverage.  The non-stacking option will keep this coverage separate for each vehicle.

Funeral Benefits

Pays for funeral expenses of an insured person as a result of a car accident.  The expenses must be incurred 24 months from accident.

Medical Payments

This covers treatment of injuries to the driver and passengers of the policyholder’s car.

Extraordinary Medical Payments

This coverage pays up to $1,000,000 for medical expenses in excess of $100,000.

Loss of Income

This covers income loss due to bodily injury to an insured person arising out of the maintenance or use of a vehicle.

Delaware Specific Coverages

No Fault or Personal Injury Protection

Delaware is a no-fault state.  That means if you are injured in a car accident, your own insurance coverage will pay some or all of your medical bills and lost earnings, regardless of who is at fault for the accident.