Yes, car insurance is required to drive a car legally in Mississippi. 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. The terms, definitions and explanations of insurance are for informational purposes only and do not replace or modify in any way the definitions and information contained in the individual pages of contracts, policies or insurance statements, which are decisive. 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.
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. 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.” Some car insurance qualifying factors, such as your driving history, can significantly affect your insurance costs. The consequences of driving without insurance exceed the monthly insurance premium and may result in the following penalties. If you can't drive your car because of a covered loss, this coverage helps pay for a car rental or other transportation expenses so you can get back on the road.
Keep in mind that these penalties will add to the serious financial consequences if you cause a car accident and don't have insurance. 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). While it's important to keep the cost of car insurance low, price shouldn't be the only consideration when buying insurance. 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.
Not having car insurance in many states can make you a high-risk driver when buying car insurance. 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. In some states, your vehicle can be towed and you can't claim it until you present proof of 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.