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Department of Human Resources (DHR) Logo Department of Human Resources

Claims

Report a Claim

Auto

Report any incident/accident involving a Delaware state-owned vehicle.

General Liability

Report any complaint of injury or property damage that occurred on state-owned property or roadways.*

Mailbox

Report damage to property caused by DELDOT during maintenance operations.

*The State of Delaware does not pay for these types of claims (pothole, slip and fall in a state-owned facility, fallen tree, etc.) due to the doctrine of sovereign immunity. The State cannot be required to pay damages or claims unless there is a specific law that allows the claim to proceed and authorizes payment. Only the General Assembly can waive sovereign immunity through legislative enactment. Sovereign immunity is waived if the State purchases insurance that would cover the loss. The State has not purchased general liability insurance.

If you prefer, you may still submit the claim.

File Your Claim

Reporting a Claim FAQs

The Delaware Claims Online Reporting Portal is an online portal for the public to submit claim reports to the State of Delaware – Insurance Coverage Office.

Automobile – report any incident or accident involving a State of Delaware state-owned vehicle. The State Vehicle Tag Number is required for this type of claim to be reported online.

General Liability – report any complaint of injury or property damage that occurred on State of Delaware property or roadways. (i.e., potholes, fallen tree on property)

Mailbox – report damage to property caused by the Delaware Department of Transportation during maintenance operations. (i.e., mailbox or fence damage during mowing and snow removal operations)

Claims against the State of Delaware can be submitted using the State of Delaware Claims Online Reporting Portal by using the "File Your Claim" button at the top of this page.

  • Claims can be submitted anytime from anywhere.
  • Claims can be made immediately rather than waiting on the phone.
  • Claimants can attach documents to their claim report.

Yes. The State of Delaware – Insurance Coverage Office’s normal business hours are 8:00 am to 4:30 pm, Monday through Friday. They can be reached at (302) 739-3651 or (877) 277-4185. Delaware Claims Online Reporting Portal provides a second option for reporting claims to the State.

After you have completed and "Upload File" submitted the incident, the system will provide you with the option to upload any relevant files. Click to upload your documents.

  • Driver Information Exchange Report
  • Photographs
  • Vehicle Appraisals / Estimates
  • Invoices

If you provide an email address with your claim report, you will receive an email confirmation with the State of Delaware – Insurance Coverage Office’s contact information. A Claim Professional will be in touch with you to discuss your claim and will provide you with the next step instructions.

Please contact your Claim Professional for updates. If you do not have your Claim Professional’s contact information, you can call us at (302) 739-3651 or (877) 277-4185.

If you have a claim-related question, please contact your Claim Professional. If you do not have your Claim Professional’s contact information, you can call us at (302) 739-3651 or (877) 277-4185.

If you have just filed a claim online, please be advised that it may take up to one business day for a State of Delaware – Insurance Coverage Office Claim Professional to be assigned to your claim.