The worst mistake people make is assuming a government claim works like a regular car wreck claim. It doesn't. Think of it like walking up to a locked service door instead of the front entrance: if the at-fault party is the State, a city, a town, or a public employee, the usual path to compensation may be blocked unless a specific exception opens that door.

This means Delaware government bodies and employees often have legal protection from being sued for injuries. If a crash involves a state vehicle on I-95, US-13, or Route 273, or someone gets hurt on public property, the first question is not just who caused it - it is whether immunity applies. Delaware has statutes that protect public employees and agencies in many situations, especially when they were doing official work in good faith. In some cases, immunity may be waived, including when insurance coverage applies, but that has to be checked early.

Practically, this can change everything: who gets named, what evidence matters, and whether a case is worth filing at all. Do not rely on the adjuster's version of events, and do not assume a police report settles the issue. Get the agency name, vehicle number, incident report, witness names, and any photos right away. A lawyer will usually look at waiver of immunity, scope of employment, and whether the conduct rises to gross negligence or wanton negligence.