Title 18 — Insurance Code
83 chapters · 1,008 sections in this title.
18 Del. C. § 3901. Contracts subject to general provisions.
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§ 3901. Contracts subject to general provisions. All contracts of casualty insurance covering subjects resident, located or to be performed in this State are subject to the applicable provisions of Chapter 27 (The Insurance Contract) of this title, and to other applicable provisi…
18 Del. C. § 3902. Uninsured and underinsured vehicle coverage; insolvency of insurer.
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§ 3902. Uninsured and underinsured vehicle coverage; insolvency of insurer. (a) No policy insuring against liability arising out of the ownership, maintenance or use of any motor vehicle shall be delivered or issued for delivery in this State with respect to any such vehicle regi…
18 Del. C. § 3902A. Notice of settlement offer to underinsured motor vehicle insurer.
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§ 3902A. Notice of settlement offer to underinsured motor vehicle insurer. (a) (1) If an attorney representing an injured individual, or an unrepresented injured individual, receives a written offer from a motor vehicle liability insurer, or that insurer’s authorized agent, to se…
18 Del. C. § 3903. Cancellation or nonrenewal of automobile policy; definitions; scope. [For application of this section, see 82 Del. Laws, c. 160, § 5]
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§ 3903. Cancellation or nonrenewal of automobile policy; definitions; scope. [For application of this section, see 82 Del. Laws, c. 160, § 5] (a) As used in §§ 3903-3907 of this title: (1) “Certified mail” as used in this chapter shall refer to the following as used by the postal…
18 Del. C. § 3904. Cancellation or nonrenewal of automobile policy — Reasons for cancellation or nonrenewal [For application of this section, see 84 Del. Laws, c. 209, § 3].
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§ 3904. Cancellation or nonrenewal of automobile policy — Reasons for cancellation or nonrenewal [For application of this section, see 84 Del. Laws, c. 209, § 3]. (a) No notice of cancellation of a policy shall be effective and the insurer shall not refuse renewal or threaten to …
18 Del. C. § 3905. Cancellation or nonrenewal of automobile policy — Notice of cancellation or intention not to renew; notice of reasons [For application of this section, see 79 Del. Laws, c. 390, § 8].
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§ 3905. Cancellation or nonrenewal of automobile policy — Notice of cancellation or intention not to renew; notice of reasons [For application of this section, see 79 Del. Laws, c. 390, § 8]. (a) No cancellation of a policy to which § 3904(a) of this title applies shall be effect…
18 Del. C. § 3906. Cancellation or nonrenewal of automobile policy — Appeal to the Commissioner; order.
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§ 3906. Cancellation or nonrenewal of automobile policy — Appeal to the Commissioner; order. (a) A named insured who wishes to contest the reason or reasons for a cancellation or nonrenewal to which § 3904 of this title is applicable shall not less than 20 days prior to the effec…
18 Del. C. § 3907. Cancellation or nonrenewal of automobile policy — Nonliability as to information; statements.
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§ 3907. Cancellation or nonrenewal of automobile policy — Nonliability as to information; statements. There shall be no liability on the part of and no cause of action of any nature shall arise against the Commissioner or the insurer, its authorized representative, its agents, it…
18 Del. C. § 3908. Cancellation or nonrenewal of automobile policy — Exceptions related to insurer’s condition.
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§ 3908. Cancellation or nonrenewal of automobile policy — Exceptions related to insurer’s condition. Nothing contained in §§ 3903-3907 of this title shall be construed to prevent the cancellation or nonrenewal of any such insurance where: (1) Cancellation or nonrenewal is ordered…
18 Del. C. § 3909. Automobile insurance; exclusion, cancellation or nonrenewal.
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§ 3909. Automobile insurance; exclusion, cancellation or nonrenewal. (a) The insurer shall have the right to exclude, cancel or refuse to renew coverage under an automobile insurance policy as to designated individuals. Any such cancellation or refusal to renew shall be subject t…
18 Del. C. § 3910. Automobile insurance — Insurer’s right to impose deductible on renewal.
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§ 3910. Automobile insurance — Insurer’s right to impose deductible on renewal. Nothing in §§ 3903-3909 of this title shall prohibit or be construed to prohibit an insurer from requiring a provision for a reasonable deductible not exceeding $100 in amount as to physical damage an…
18 Del. C. § 3911. Legislation affecting renewal of policies — Notice of nonrenewal by insurer.
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§ 3911. Legislation affecting renewal of policies — Notice of nonrenewal by insurer. (a) Any legislation enacted subsequent to July 9, 1973, or subsequent legislation affecting Chapter 21 of Title 21, shall not effect the renewal of policies as described in § 3903(a)(4) of this t…
18 Del. C. § 3912. Prohibition against premium increase or termination in certain circumstances.
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§ 3912. Prohibition against premium increase or termination in certain circumstances. (a) No premium may be increased on any contract of casualty insurance based on a named insured or any other operator who either resides in the same household or customarily operates an automobil…
18 Del. C. § 3913. Requests for driving records; limitation.
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§ 3913. Requests for driving records; limitation. No insurer issuing a policy of insurance as described in this chapter shall, before such policy is issued, require that the proposed insured provide such insurer with his or her driving record for any period other than the 3 years…
18 Del. C. § 3914. Notice of statute of limitations required.
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§ 3914. Notice of statute of limitations required. An insurer shall be required during the pendency of any claim received pursuant to a casualty insurance policy to give prompt and timely written notice to claimant informing claimant of the applicable state statute of limitations…
18 Del. C. § 3915. Cash refund on cancellation of policy.
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§ 3915. Cash refund on cancellation of policy. (a) No insurer shall honor a request for a cash refund on cancellation of a policy by the insured until such time as the insured has provided sufficient evidence to the insurer that one of the following has occurred: (1) The insured …
18 Del. C. § 3916. Unfair trade practices.
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§ 3916. Unfair trade practices. No insurance company, domestic or foreign, or any agent or employee shall require that automobile glass repair or replacement work be performed by a particular facility, individual or business establishment as a condition of payment of a claim.69 D…
18 Del. C. § 3917. Military deployment as a factor in automobile insurance rates.
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§ 3917. Military deployment as a factor in automobile insurance rates. (a) An insurer shall not use a lapse in an insured’s automobile insurance coverage as a factor in determining a new automobile insurance policy rate if the lapse was due to the cancellation or nonrenewal of th…
18 Del. C. § 3918. Vehicle data-reporting device.
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§ 3918. Vehicle data-reporting device. (a) An insurer seeking to install a data-reporting device in a private passenger vehicle, or seeking to use a previously installed device for the purpose of obtaining data, shall inform the policyholder of such installation or use, of the da…
18 Del. C. § 3919. Addition of minor children and foster children to existing motor vehicle policies.
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§ 3919. Addition of minor children and foster children to existing motor vehicle policies. (a) If requested by an insured, an insurer is required to add the following individuals to the insured’s existing policy as an additional driver: (1) Any licensed minor child of the insured…
18 Del. C. § 3920. Cancellation or nonrenewal of commercial automobile policy. [For application of this section, see 82 Del. Laws, c. 160, § 5]
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§ 3920. Cancellation or nonrenewal of commercial automobile policy. [For application of this section, see 82 Del. Laws, c. 160, § 5] (a) (1) An insurer licensed to do business in Delaware may not cancel mid-term any commercial automobile policy except for any of the following rea…
18 Del. C. § 3921. Youth in foster care status as a factor in automobile insurance rates.
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§ 3921. Youth in foster care status as a factor in automobile insurance rates. (a) For purposes of this section, “youth in foster care” means any of the following: (1) An individual in Department of Children, Youth, and Their Families (“Department”) custody under Chapter 25 of Ti…