Insurance Requirements and Financial Responsibility Flashcards

When must you show proof of insurance to a police officer in Delaware?

Answer: Upon request during any traffic stop or accident

In Delaware, you must present proof of insurance upon request during any traffic stop or after an accident.

Delaware's Financial Responsibility Law requires drivers to maintain what at minimum?

Answer: Liability insurance

Delaware's Financial Responsibility Law mandates that all drivers carry at least liability insurance.

If your auto insurance lapses in Delaware, what is your insurer required to do?

Answer: Report the lapse to the Delaware DMV

Insurance companies are required to report lapses in coverage directly to the Delaware DMV.

What is an SR-22 in the context of Delaware driving?

Answer: A form proving a driver carries required insurance after a serious violation

An SR-22 is a certificate of financial responsibility filed by your insurer verifying you carry the minimum required insurance, often required after serious violations.

For how long must a Delaware driver typically maintain an SR-22 certificate after a DUI conviction?

Answer: 3 years

Delaware typically requires drivers to maintain SR-22 insurance for three years following a DUI conviction.

Which of the following is NOT an acceptable alternative to traditional auto insurance for satisfying Delaware's financial responsibility law?

Answer: A notarized promise to pay

A notarized promise to pay is not a recognized form of financial responsibility under Delaware law; approved alternatives include surety bonds, cash deposits, or self-insurance certificates.

In Delaware, uninsured motorist coverage (UM) protects you if:

Answer: You are hit by a driver who has no insurance

Uninsured motorist coverage pays for your injuries and damages when the at-fault driver has no auto insurance.