# DE Auto Bulletin No. 7: Adoption of Section 3915 of Title 18 (refunds on auto-policy cancellations) > Delaware · Agency guidance · In force URL: https://www.frixlaw.com/law-library/statutes/DE_INS_AUTO_7_19920415 ## Section - **Citation:** DE Auto Bulletin No. 7 - **Heading:** Adoption of Section 3915 of Title 18 (refunds on auto-policy cancellations) - **Jurisdiction:** Delaware - **Kind:** Agency guidance - **Status:** In force - **Text as of:** August 14, 2026 - **Source:** Compiled text - **Location:** Delaware Department of Insurance Bulletins / Adoption of Section 3915 of Title 18 (refunds on auto-policy cancellations) ## Text AUTO BULLETIN NO. 7 ADOPTION OF SECTION 3915 OF TITLE 18 Original No. 90-3 Adopted June 12, 1990 Amended April 15, 1992 Title 18 Del. C., Section 3915 requires that no cash refunds on auto policy cancellations be provided by insurers until there is “sufficient evidence” that one of the following has occurred: (1) The insured has other insurance in effect which provides at least the minimum insurance coverage as set forth in Section 3902 of Title 18. (2) The insured vehicle is no longer owned by the insured. (3) The vehicle is no longer operable or capable of being repaired so as to become operable. (4) The insured becomes self-insured under the provisions of 21 Del. C., Section 2904. An insurer has “sufficient evidence” to refund unearned premium when provided with an insured’s affidavit certifying that one of the above criteria have been met. The Department will approve for use in Delaware only affidavits which comply with the legislative intent to reduce the number of uninsured drivers by requiring proof of substitute minimum coverage under the no fault law. The following format is offered for illustration only. SAMPLE AFFIDAVIT I _____________________, hereby certify that the cash refund on policy (print name) number ________________ which I have requested is based upon the following: _____ I have substituted, or replaced the above policy with different insurance coverage which complies with the minimum no fault coverage required under Delaware law. My new insurance carrier is _____________________________. (name of insurer) _____ I have sold the vehicle which the policy covered. The new owner is __________________________________________. (name and address of new owner) _____ The insured vehicle is no longer operable or capable of repair so as to become operable. The expiration date of the registration tags is____________________________ ___________________. (name of insurer) _____ I have sold the vehicle which the policy covered. The new owner is __________________________________________. (name and address of new owner) _____ The insured vehicle is no longer operable or capable of repair so as to become operable. The expiration date of the registration tags is____________________________. (date) _____ I have been approved by the Department of Public Safety as a self insurer. The date of the Department’s approval was ___________. (date) NOTICE: Delaware law requires us to inform you that if you make a statement which you know is false or which you do not believe is true, such a statement is punishable pursuant to 11 Delaware Code, Section 1233. __________________________________ Policyholder ## Nearby sections - [DE Auto Bulletin No. 1 Determination of Replacement Value of Automobiles](https://www.frixlaw.com/law-library/statutes/DE_INS_AUTO_1_20180125.md) - [DE Auto Bulletin No. 2 Premium Charges for Automobiles Principally Garaged Out-of-State but Registered in Delaware](https://www.frixlaw.com/law-library/statutes/DE_INS_AUTO_2_19920415.md) - [DE Auto Bulletin No. 3 Late Issuance of Renewal Policies](https://www.frixlaw.com/law-library/statutes/DE_INS_AUTO_3_19920415.md) - [DE Auto Bulletin No. 4 Salvaged or Junked Vehicles](https://www.frixlaw.com/law-library/statutes/DE_INS_AUTO_4_19920415.md) - [DE Auto Bulletin No. 5 Minimum Standards for Defensive Driving Course](https://www.frixlaw.com/law-library/statutes/DE_INS_AUTO_5_19960710.md) - [DE Auto Bulletin No. 7 Adoption of Section 3915 of Title 18 (refunds on auto-policy cancellations)](https://www.frixlaw.com/law-library/statutes/DE_INS_AUTO_7_19920415.md) - [DE Auto Bulletin No. 8 Implementation of Seat Belt Legislation](https://www.frixlaw.com/law-library/statutes/DE_INS_AUTO_8_19920415.md) - [DE Auto Bulletin No. 10 Personal Injury Protection (PIP)](https://www.frixlaw.com/law-library/statutes/DE_INS_AUTO_10_19981015.md) - [DE Auto Bulletin No. 17 Defensive Driving Course Discount](https://www.frixlaw.com/law-library/statutes/DE_INS_AUTO_17_20100107.md) - [DE Auto Bulletin No. 23 Widow’s Penalty – Increased Auto Rates for Widows and Widowers 606](https://www.frixlaw.com/law-library/statutes/DE_INS_AUTO_23_20151006.md) - [DE Auto Bulletin No. 24 Liability Carrier’s Obligation to Provide Coverage](https://www.frixlaw.com/law-library/statutes/DE_INS_AUTO_24_20160308.md) - [DE Auto Bulletin No. 25 Passage of HB 114 and HB 333](https://www.frixlaw.com/law-library/statutes/DE_INS_AUTO_25_20180815.md) - [DE Auto Bulletin No. 27 Notice of Signing of HS1 to HB 80, The Use of Credit Information in Personal Insurance Act, and the Withdrawal of Auto Bulletin No. 23](https://www.frixlaw.com/law-library/statutes/DE_INS_AUTO_27_20170807.md) - [DE Auto Bulletin No. 28 Auto Insurance Rate Information Required Annually 606](https://www.frixlaw.com/law-library/statutes/DE_INS_AUTO_28_20170915.md) --- Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/DE_INS_AUTO_7_19920415. Check the current official text before relying on it. Not legal advice.