Construction Accidents

Working at a construction site is one of the most dangerous jobs in America. Construction accidents injure or kill thousands of workers every year. In fact, construction workers account for one in five workplace fatalities in the United States.  These accidents occur when the safety engineers and safety programs that construction companies are obligated to enact are either negligent or…

Motorcycle Accidents

Despite the fact that motorcycles offer the most fuel-efficient mode of transportation, operating a motorcycle requires more skill and coordination that operating a car, according to the National Highway Traffic Safety Administration. Because motorcycles provide little protection, riders should wear protective gear such as a helmet, eye protection, protective clothing, gloves and footwear. Motorcycle riders in Delaware should remain constantly…

Delaware Workers Compensation Laws

Workers Compensation Laws In Delaware Delaware Workers’ Compensation laws provide injured employees with benefits that can help cover their expenses and part of the income that they lose from being unable to work. The kinds of benefits that are available under Delaware workers comp law include those for medical care, temporary total or partial disability, and payments for permanent impairment. …

New Delaware UMUIM Policy Limits

DELAWARE INCREASES MINIMUM LIABILITY & UNINSURED/UNDERINSURED LIMITS With an effective date of December 13, 2017, Governor Carney signed House Bill (HB) 114 into law raising bodily injury liability coverage for all new car insurance policies  the liability limits under Title 21 Delaware Code Section 2902 from $15,000 per person/$30,000 per collision to $25,000 per person/$50,000 per collision. For existing policies, the…

What Does Full Coverage Mean?

While there is no Auto coverage that goes by the name “full coverage,” most individuals think of full coverage as a policy that combines the following: State-required liability and  no-fault insurance coverage to cover bodily injury and property damages to others in an accident you cause, not required. However, what is important to realize, often the “full” coverage you may…

Delaware UMUIM Laws

UNINSURED MOTORIST COVERAGE The State of Delaware requires all vehicle owners to carry automobile insurance. However, if the driver who injured you or your passenger did not have car insurance or you were hurt in a hit-and-run accident with an unidentified vehicle, making it impossible to identify the driver at all, you may have an uninsured motorist claim on your…

Delaware PIP Laws

Every driver in Delaware is required to pay for Personal Injury Protection, or “PIP.”  The purpose of this insurance coverage is to pay for your lost wages and medical bills.  You must use this coverage for these purposes, and you are not penalized by your insurance company for doing so.  That’s what you pay for.  When you obtain a recovery…