Mississippi Car Insurance

Car Insurance » Mississippi

The state of Mississippi requires all drivers to meet minimum requirements for liability car insurance for their vehicles. Drivers do not have to show proof of insurance when registering a vehicle, but law enforcement officials can ask for proof of insurance if they pull a driver over for another reason. Drivers found to be without sufficient insurance will be fined $1,000 and cannot drive again for a year unless they purchase insurance and show an insurance card as proof.

In Mississippi, bodily injury liability insurance must cover at least $25,000 per person and $50,000 per accident. This type of auto insurance pays for medical costs of injured individuals when the insured driver is at fault. These people might be pedestrians, bikers, the driver or passengers in other vehicles involved in the accident. However, because medical care is so expensive, many drivers in Mississippi elect to purchase more bodily injury liability insurance to help reduce the chance of getting sued for damages that exceed their insurance limits.

Mississippi also requires all drivers to have at least $25,000 of auto insurance for property damage. This insurance will pay for repairs to other vehicles involved in an accident or to personal property that the driver damages in a collision. For example, it might pay to repair or replace a fence that a driver knocks over. As with personal injury liability, drivers should consider purchasing more property damage liability insurance to adequately pay for a totaled vehicle with a value of more than $25,000.

Mississippi does not require drivers to carry insurance for uninsured motorists or underinsured motorists. However, because Mississippi does not regulate insurance during the car registration process, this makes it easier for uninsured or underinsured motorists to be on the roads. Therefore, it is wise for drivers to purchase these types of coverage to protect themselves from financial loss in the case of an accident with a motorist who does not have adequate Mississippi car insurance.

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• Aberdeen Ackerman Amory Baldwyn Batesville Bay Springs Bay St Louis Belzoni Biloxi Booneville Brandon Brookhaven Bruce Byram Calhoun City Canton Carthage Centreville Charleston Clarksdale Cleveland Clinton Coldwater Collins Columbia Columbus Corinth Crystal Springs D'Iberville De Kalb	Durant Ellisville Eupora Florence Flowood Forest Fulton Gautier Goodman Greenville Greenwood Grenada Gulfport Hattiesburg Hazlehurst Heidelberg Hernando Holly Springs Houston Indianola Iuka Jackson Kiln Kosciusko Laurel Leakesville Leland Liberty Long Beach Louisville	Lucedale Lumberton Macon Madison Magee Magnolia Marks McComb Mendenhall Meridian Monticello Morton Moss Point Natchez New Albany New Augusta Newton Ocean Springs Olive Branch Oxford Pascagoula Pass Christian Pearl Petal Philadelphia Picayune Pontotoc Poplarville Port Gibson Prentiss	Purvis Quitman Raleigh Raymond Richland Richton Ridgeland Ripley Sarah Seminary Senatobia Southaven Starkville Taylorsville Tunica Tupelo Tylertown Union Vicksburg Walls Water Valley Waveland Waynesboro West Point Wiggins Winona Woodville Yazoo City