What Are The Auto Insurance Laws in Mississippi

Reader’s Question:

I want to know what the car insurance laws in Jackson, Mississippi are?

Jerry

Jackson, MS

The insurance laws for Jackson, Mississippi are the same as for the rest of the city in MS. Under the Mississippi car insurance law, Mississippi drivers are required to maintain liability insurance. The minimum financial responsibility requirements for car insurance are $25,000 per person (limited to a single accident), $50,000 per accident for bodily injury, and $25,000 per accident for property damage.

Beginning January 1, 2006, Mississippi law requires that all drivers maintain liability insurance and carry an insurance card in their vehicles at all times showing that they have liability insurance. If a law enforcement officer found that the individual operating the vehicle is without insurance, the person can be fined $1000 and have their driver’s license suspended for one year or until the motor vehicle owner shows that the vehicle has insurance on it.

Liability coverage covers for the damage you caused to other people and their property. It protects and saves your assets and wages from seizure and litigation. However, you should realize that in today’s time of ever-rising medical costs and auto repair bills, the state-mandated minimum requirements of 25/50/25 may not be enough. It is still a good idea to consider purchasing liability coverage with higher coverage limits. Remember, if you are at fault in a car accident, your liability coverage will only pay up to the limits of your insurance. Damages over that amount will be your responsibility. You will need to purchase other kinds of coverage if you want the car insurance company to pay for your medical bills and vehicle repairs.