A: When a law enforcement officer stops you for any reason, you will be required to show valid proof of insurance on the vehicle. If you are driving a vehicle while not having the proper insurance, upon conviction, you will be fined not less than $1500 for the first offense and $3000 for each subsequent offense occurring within 3 years of a former offense. Driving license and/or privileges will also be suspended for 6 months.
A: Yes. License plates must be surrendered to the Division prior to canceling insurance for any reason on vehicles with active registrations. You may take your tag to the nearest Delaware DMV office. Tags will be returned at no charge if proper insurance is provided and the registration has not expired.
Tags may be mailed to the Division along with a note explaining why tags are being surrendered, for example:
canceling the liability insurance
sold the vehicle
titled vehicle in another state
vehicle was junked
Mailing address: Division of Motor Vehicles Uninsured Motorist Section P O Box 698 Dover DE19903
A: The DMV receives notices from insurance companies when insurance has cancelled. As a result, you may be audited to provide proof of valid liability insurance from the date of cancellation. If it is determined that you were uninsured the penalties are:
$100 per vehicle for being uninsured from 1-30 days
An additional $5 per vehicle for each day after the 30 days or until tags/registration are surrendered, insurance is obtained or the registration tag expires
A: Contact your insurance company/agent immediately and have them provide you with a Delaware Insurance Certification Form, FR-19. The FR-19 is a certification that the vehicle has been continuously insured since the verification date and that coverage is presently in force.
A: The vehicle registration and all owners’ driver’s licenses will be suspended. Any suspension imposed by DMV will require owners to pay reinstatement fees of $25 for each driver’s license and $50 for each registration in addition to the penalties imposed for lapse in insurance coverage.
A: If you move, you have the responsibility for notifying both your insurance company and DMV of your new address. You should not rely on the Post Office to redirect your mail. The insurance company and DMV are only required to send their notices to the address on their records. Therefore, not receiving their correspondence because of an address change does not relieve you from replying to an audit. Driver’s licenses and vehicle registrations must reflect current address.
A: You must complete a seller’s report of sale. This notice is attached to the bottom of the Delaware title. Complete the requested information and immediately return the form to the Division of Motor Vehicles. Seller’s reports of sale forms are also available at any Delaware Motor Vehicle office.
A: No one may operate or authorize anyone to operate an out-of-state vehicle unless the owner has insurance on the vehicle equal to the minimum liability insurance required by the state or jurisdiction where the vehicle is registered. If the state or jurisdiction requires no minimum liability insurance, then the owner must have insurance equal to the minimum insurance coverage required for motor vehicles registered in Delaware.
Last Updated: Tuesday, 05-Oct-2010 14:12:12 Eastern Daylight Time