Mississippi Auto Insurance Basics


Mississippi is a state found in the southern part of the United States of America. The name of the state is derived from the name of the Mississippi river that runs through the state. The capital of Mississippi is Jackson. Jackson is also the largest city is Mississippi. This state has many catfish farms and most of the catfish eaten across the United States come from these farms. It is ranked the thirty second state in terms of area and thirty first in terms of population. Most of the state except for the Mississippi delta is very heavily forested.

The state of Mississippi has enforced mandatory auto insurance rules. Every rule is written to ensure the safety of the driver and motorist on the road. These rules, therefore, have to be followed at any cost. The mandatory auto insurance rule is to ensure that any driver, in the state of Mississippi, has enough finances to pay for the damages caused in an accident if he has caused one. These are known as the financial responsibility laws.

The state of Mississippi also follows the Tort system. According to the Tort system, in case of every accident, a person has to be found responsible for the accident. This person will then, along with his insurance company, be responsible for paying for all the damages caused during the accident.

Every state that makes auto insurance mandatory must also fix the minimum liability. This is the minimum amount that every driver must be insured for. In the state of Mississippi, the minimum liability is twenty five thousand dollars for bodily injury per person and fifty thousand dollars for bodily injury in total per accident.

Property damage coverage for an amount of twenty five thousand dollars is also made mandatory. Bodily injury is used to pay for the medical expenses the victim of the accident might need. Property damage, on the other hand, will take care of all the damages caused to any kind of property. This includes the victim’s car, repair and replacement, any buildings, fences and even lamp posts. Every driver or motorist on the roads of Mississippi must have auto insurance for this amount without fail.

Apart from the minimum liability there are other insurance coverage policies that one might need. Uninsured and under insured motorist’s coverage is very common and is also very useful. Uninsured motorist’s coverage will take care of any damages caused to you and your vehicle if you are in an accident caused by a person who is not insured as per the law. Underinsured motorist’s coverage will cover the costs if you are in an accident caused by a person who is insured but does not have adequate insurance to cover the costs.

Physical damage polices are also very popular. Physical damage policies will take care of any damage that might be caused to your car. Collision damage will take care of any damages caused to your car if it has been in an accident. Comprehensive insurance policy will take care of any damages caused by other factors such hail, rain theft or vandalism.