Delaware minimum liability limits are often inadequate for serious injuries. A single-vehicle ICU stay may exceed any state minimum policy. Knowing where additional coverage may exist often makes the difference between partial and full recovery.
The Detailed Answer
Underinsured Motorist (UIM) Coverage
UIM coverage on your own auto policy may step in when the at-fault driver’s policy is exhausted. The amount available depends on your UIM limit and how Delaware policy language treats offsets and limits.
Stacking Multiple Policies
Delaware has specific rules about stacking UM/UIM coverage across multiple vehicles in a household. The rules depend on policy wording and dates. A lawyer may identify whether stacking is available in your situation.
Umbrella Policies
Personal umbrella policies — sometimes carried by the at-fault driver, sometimes by you for UIM purposes — may add hundreds of thousands or millions of dollars in coverage. Always ask whether an umbrella exists.
Other Defendants
Was the at-fault driver working at the time? Was the vehicle owned by someone other than the driver? Was the road defectively designed or maintained? Each may add a defendant with separate insurance.
Personal Assets
Pursuing personal assets is generally a last resort. Many at-fault drivers are not collectible above their insurance limits, but in some cases — wealthy defendants, business owners, or commercial drivers — assets may be available. A lawyer may evaluate.
What This Means for Your Case
Coverage investigation is an active process. Joseph M. Jachetti’s decade as an insurance claims adjuster informs how the firm investigates layered coverage and seeks every possible source of recovery.
Related Questions
Q: What is UIM coverage?
See UM/UIM coverage in Delaware.
Q: What if the driver was working?
Their employer’s commercial policy may apply. Read about commercial and DUI angles.
Q: How do I find umbrella policies?
Discovery requests and asset investigations may reveal them.
When to Talk to a Delaware Personal Injury Lawyer
Maximum recovery requires maximum coverage discovery. The Delaware team at Schuster Jachetti LLP may help. Learn about Joseph M. Jachetti.
Free Consultation
Free consultation. No fee unless we recover compensation for you.
📞 Call (302) 984-1000
This page provides general legal information only. It is not legal advice and does not create an attorney-client relationship. For advice on your specific situation, contact Schuster Jachetti LLP.
Have a Question About Your Case?
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📞 Call (302) 984-1000
This page provides general legal information only. It is not legal advice and does not create an attorney-client relationship. For advice on your specific situation, contact Schuster Jachetti LLP.