Under Mississippi's compulsory motor liability insurance system, all drivers must maintain liability insurance and carry proof (on paper or electronic) that the vehicle is insured. If you own two or more cars and have all your auto insurance under one company, you're often eligible for a discount under a “multi-car plan.” While it's important to understand Mississippi's auto insurance laws to ensure that you're as safe as possible behind the wheel, there are times when insurance policies don't cover all the expenses related to an accident. Insurance Navy offers affordable auto insurance policies with a variety of add-ons to provide you with the best possible coverage. While Mississippi auto insurance rates compare favorably with those in other parts of the United States, where a vehicle's annual premium can cost thousands of dollars, car insurance is still a major purchase for most Mississippi residents.
Here are some common types of car insurance that you can add to your plan to strengthen coverage. The car insurance limit refers to the maximum amount of money your insurance company will pay on a claim. Read on to learn the details of Mississippi's compulsory motor liability insurance system, how insurance coverage typically affects different types of claims, and the variety of penalties you're likely to face if you drive uninsured in Mississippi. After a car accident in a no-fault state, you must use the personal injury protection coverage of your own auto insurance policy to pay for medical bills and other losses out of pocket, regardless of who caused the accident.
State law states that a law enforcement officer cannot stop you just to check if you have an insurance card, but can ask you for proof of insurance during a stop for any other legal violation. Therefore, the person who was at fault for causing the car accident is also responsible for any resulting damage (from a practical point of view, the at-fault driver's insurance company will absorb these losses, up to the limits of the policy). Not only is having car insurance required by law in Mississippi, but it can also help protect yourself and your assets. Keep in mind that these penalties will add to the serious financial consequences if you cause a car accident and don't have insurance.
Also, keep in mind that if you finance or lease your vehicle, your lender or leasing company may require you to take out additional car insurance. Effective January 1, 2001, Mississippi law requires all drivers to have liability insurance and to carry a card in their vehicles at all times showing that they have liability insurance. While it's important to keep the cost of car insurance low, price shouldn't be the only consideration when buying insurance.