Mississippi Auto Insurance Quotes

If you're in the market for Mississippi auto insurance coverage, you've found the best site. Before you purchase an auto insurance policy, take some time to find out what coverage is required in Mississippi and what coverage is considered optional. Review your own situation to determine if you want to purchase coverage beyond the minimum required by law. Once you have your coverage needs in mind, you can get auto insurance quotes from a number of carriers that are licensed to provide coverage to Mississippi drivers.

Mississippi Liability Insurance Requirements

Like many other states, Mississippi requires drivers to carry liability insurance coverage on all registered vehicles.  This liability coverage will cover bodily injuries and property damage caused by a motor vehicle accident.  In Mississippi, driver must carry a minimum of $25,000 in coverage for bodily injuries for one person in one accident; $50,000 for all bodily injuries in one accident; and $25,000 for property damage.  Mississippi does not require that drivers carry uninsured motorist or personal injury protection coverage.  However, additional coverage can be added to your policy if you feel it is needed.  For example, someone who drives an expensive vehicle would most likely add more coverage to their policy to ensure that all expenses would be covered in the event of an accident.

Mississippi Tort System

In Mississippi, the tort system is used to determine who is responsible for paying expenses after an accident.  The tort system requires that a driver be assigned fault for an accident.  That driver is then responsible for paying the expenses of others involved in the accident.  Additionally, the driver who is at fault for the accident can be sued in civil court.

Mississippi Proof of Insurance

Unlike many other states, Mississippi does not require drivers to show proof of insurance when registering a vehicle.  However, drivers must show proof of insurance to law enforcement officers during traffic stops.  The best way to show proof of valid insurance coverage is to keep your current insurance card in your vehicle at all times.  This will ensure that you can provide it to a law enforcement officer should you get pulled over.

Mississippi Penalties for Failure to Maintain Financial Responsibility

If you cannot provide proof of insurance on your vehicle, you may have to pay a $1,000 fine and your registration may be suspended for up to one year.  If you have more than one offense, the penalties are even more severe.  The best way to avoid these penalties is to maintain valid auto insurance coverage at all times.