Opinion ID: 1997757
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Heading: Statutory Requirements Minimum Mandatory Coverage

Text: The Delaware Financial Responsibility Law requires all operators of motor vehicles within the State to secure certain insurance to protect and compensate all persons injured in automobile accidents. Harris v. Prudential Property and Casualty Ins. Co., Del.Supr., 632 A.2d 1380, 1381 (1993); State Farm Mutual Auto. Ins. Co. v. Wagamon, Del.Supr., 541 A.2d 557, 560 (1988). See 21 Del.C. § 2118; 21 Del.C. ch. 29. The law requires motorists to purchase, and insurance carriers to provide, specific minimum amounts of both liability and no-fault compensation coverage. State Farm Mutual Auto. Ins. Co. v. Wagamon, 541 A.2d at 560. See 21 Del.C. § 2118(a); 21 Del.C. § 2902.