What is PIP (Personal Injury Protection) coverage?

Personal Injury Protection coverage, referred to as PIP or no-fault, is a first-party coverage that is required to be carried on every Delaware registered insured motor vehicle. Delaware law requires that at a minimum, each automobile or truck carry $15,000.00 per person/$30,000.00 per accident coverage. PIP coverage applies to all occupants of a car.

It also generally applies to any relative of your household who is in an accident in a car that does not have no-fault coverage. If you are a pedestrian or on a bicycle and are struck by a car, you are entitled to PIP coverage from the striking vehicle. The Statute of Limitations for a PIP case is three years.

However, all medical bills and requests for wages must be submitted to the insurance company within 27 months of the accident.

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