DE DMV Insurance Requirements and Financial Responsibility 2 — Questions and Answers
Question 1: When must you show proof of insurance to a police officer in Delaware?
- Only when requested at a checkpoint
- Only after an accident
- Upon request during any traffic stop or accident (Correct answer)
- Only when renewing registration
Correct 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.
Question 2: Delaware's Financial Responsibility Law requires drivers to maintain what at minimum?
- Only collision coverage
- Liability insurance (Correct answer)
- Full coverage including comprehensive
- Uninsured motorist coverage only
Correct answer: Liability insurance
Delaware's Financial Responsibility Law mandates that all drivers carry at least liability insurance.
Question 3: If your auto insurance lapses in Delaware, what is your insurer required to do?
- Notify you by mail only
- Report the lapse to the Delaware DMV (Correct answer)
- File a claim on your behalf
- Automatically reinstate coverage
Correct answer: Report the lapse to the Delaware DMV
Insurance companies are required to report lapses in coverage directly to the Delaware DMV.
Question 4: What is an SR-22 in the context of Delaware driving?
- A vehicle inspection certificate
- A form proving a driver carries required insurance after a serious violation (Correct answer)
- A road test score card
- A learner's permit application form
Correct 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.
Question 5: For how long must a Delaware driver typically maintain an SR-22 certificate after a DUI conviction?
- 6 months
- 1 year
- 3 years (Correct answer)
- 5 years
Correct answer: 3 years
Delaware typically requires drivers to maintain SR-22 insurance for three years following a DUI conviction.
Question 6: Which of the following is NOT an acceptable alternative to traditional auto insurance for satisfying Delaware's financial responsibility law?
- Surety bond
- Cash deposit with the state
- A notarized promise to pay (Correct answer)
- Certificate of self-insurance for qualifying businesses
Correct 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.
Question 7: In Delaware, uninsured motorist coverage (UM) protects you if:
- Your vehicle is stolen
- You are hit by a driver who has no insurance (Correct answer)
- You drive without insurance
- Your car is damaged by weather
Correct 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.
DE DMV Insurance Requirements and Financial Responsibility 2
When must you show proof of insurance to a police officer in Delaware?