Mississippi Car Insurance

Mississippi Auto Insurance protects you from excessive financial liabilities in the event of any accident. You need proper coverage to meet different expenses arising out of an accident.

What does Mississippi Auto Insurance offer me? Mississippi auto insurance offers mandatory coverage of Property Damage liability and Bodily Injury Liability.

Such liability coverage covers medical expenses of others due to your negligent driving. However, if actual amounts exceed coverage amounts, you need to bear such excess amount from your pocket.

Other non-mandatory coverage includes Uninsured and Underinsured motorists’ coverage, collision, medical expenses, and comprehensive coverage.

Underinsured and uninsured coverage pays for your medical expenses when other driver causes accident and he does not have sufficient liability coverage.

Collision coverage pays for damages due to accident.

Medical expenses pay for your hospital charges and other medical expenses due to accident.

Comprehensive charges pay for damages to your vehicle due to non-collision factors like theft, mob fury, hitting by animal, flood, and fire.

What is the minimum coverage?

The minimum coverage of Mississippi auto insurance is $10,000 for injuries to each person in an accident; $20,000 for all injuries in an accident, and $5,000 for damages to property in any an accident.

Do I have to carry any Proof of insurance?

Yes, you need to carry proof of insurance always in your vehicle and show if necessary to law officers. Normally insurance card as given by insurance companies acts as your proof of insurance.

Incase you do not carry proper insurance card as proof of your insurance, you need have a bond or cash deposits amounting to minimum requirement of bodily injury and property damage limits.

What will happen if I do not carry any insurance proof at all?

If you do not have any proof of insurance in your vehicle, you face a first time penalty of $1,000 and suspension of your driving licenses for a year.

Hence, it is prudent to carry sufficient Mississippi auto insurance to cover all damages due to accidents. However, you could scout for best competitive rates from different insurance companies.

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