A CARCO inspection is a pre-insurance inspection that documents the physical condition of the vehicle. The state of Mississippi does not require drivers to undergo a CARCO inspection before purchasing auto insurance. You are required by law to have proof of Mississippi auto insurance in your car and show it if a law enforcement officer asks to see it. Otherwise, severe penalties may be imposed. A first offense can result in a $1,000 fine and your driver`s license can be suspended for a year or until you provide proof of Mississippi auto insurance. Basic auto insurance in Mississippi is 25/50/25 liability insurance. This means that the policy meets the minimum requirements of Mississippi`s insurance laws. If a driver is caught without auto insurance, there are stiff fines and penalties to deter them from doing so again. If a person is involved in an accident or arrested and is not insured, they can be fined up to $1,000 and face a driver`s licence suspension of up to one year. Drivers can also be penalized if they do not provide proof of insurance, even if they are insured.
It is important to note that if an uninsured driver receives insurance shortly after the fine, or if there is proof of a policy, fines or penalties may be reduced or waived. Mississippi only requires drivers to have mandatory liability insurance. Liability insurance covers you for any injury or damage you may cause to the other party in the event of an accident. This means that your liability insurance should cover at least $25,000 per person for bodily injury to third parties, with a per-accident limit of $50,000. Your liability insurance should also have at least $25,000 to cover property damage. From Biloxi to Hattiesburg, from Tupelo to Natchez, Mississippi has thousands of miles of roads. They take you from the Cumberland Mountains to the Gulf of Mexico, past the historic battlefields of the Civil War, the heart of the Delta Blues and downtown Jackson. They are used by more than 1.9 million licensed drivers, each driving an average of 13,000 miles per year. Along the way, these drivers are involved in thousands of road accidents each year, many of which result in serious injury or death.
Wherever you live and drive in the Magnolia State, having proper auto insurance is both a legal requirement and common sense. This is your guide to Mississippi`s basic auto insurance requirements and laws. Mississippi state law requires you to have a minimum amount of auto insurance. Otherwise, it can result in severe penalties, which can include fines and jail time. Under Mississippi`s infringement system, you can also be held liable for actual damages (costs related to property damage and medical expenses), economic damages (loss of wages and earning capacity), and emotional and physical pain and suffering. No, Mississippi is not a flawless state. In the event of no liability, your insurer will cover injuries and damages that occur after an accident, whether you are at fault or not. However, in guilty states like Mississippi, the responsibility lies with the driver responsible for the crash and his insurance company. Auto insurance premiums are regulated by the Mississippi Department of Insurance. Insurance companies are allowed to charge premiums and offer discounts based on a number of factors, which may include: Mississippi leasing companies may have their own minimum auto insurance requirements that are different from those in the state. This means you may need to check with your leasing company for their minimum coverage requirements before renting.
In most cases, leasing companies require drivers to have comprehensive auto insurance with minimum limits of 100/300/50. To find the best possible price, we recommend contacting many different agents and companies. You may want to create a worksheet to keep track of the auto insurance quotes you get from different companies. A good place to start is comparing personal car rates on this page. Here you`ll find price comparisons from the largest auto insurers in Mississippi. Other optional coverages that can be added to your auto insurance policy include collision, all-risk and medical payment components. Collision insurance covers the cost of repairing damage to your car caused by a collision with a vehicle or object. Full coverage will reimburse you if your car is stolen.
Health insurance covers the costs of people injured in an accident, regardless of their fault. In most cases, if your car has been financed, your lender will require you to have collision and comprehensive coverage. Driving without valid auto insurance that meets the minimum liability requirements of the State of Mississippi is illegal and carries penalties and fines. Driving without proof of insurance in Mississippi could result in a misdemeanor conviction, a $500 fine and driver`s license suspension. For more information on liability insurance, please visit our Auto Liability Insurance page No matter where you go in Mississippi, there is always the possibility of an accident. Negligent and reckless drivers make decisions that hurt people on a daily basis. Auto insurance laws are in place to ensure victims have access to the funds they need to recover. If you live in Mississippi, it`s important to understand the state`s auto insurance laws. This ensures that you meet the requirements and make the road a safer place. Additional discounts are available on your car`s devices such as anti-lock braking systems, anti-theft devices, airbags and automatic seat belts. On average, a five percent discount is granted on these devices. A defensive driving course can reduce your liability and collision premiums.
Young drivers undergoing driver training can also benefit from a similar discount. These prices are estimates based solely on the rates of an average Mississippi driver and should not be used to compare insurance rates. Mississippi`s auto insurance laws set out certain minimum coverages you must have to drive legally in the state. How much auto insurance do you need in Mississippi to meet state auto insurance requirements? While it`s important to understand Mississippi`s auto insurance laws to make sure you`re as safe as possible behind the wheel, sometimes insurance policies don`t cover all the costs associated with an accident. It can be difficult to negotiate with an insurance regulator while trying to recover from injuries. That`s where we come in. To learn more about the benefits of legal representation for Pittman Roberts & Welsh after a car accident, contact our office today. Auto insurance in Mississippi follows the car, not the driver. This means that your liability insurance will compensate the other driver for injuries and property damage in an accident, regardless of who drives your car.
No, Mississippi does not require uninsured motorist insurance. However, because Mississippi has the highest percentage of uninsured motorists in America, drivers in the state are strongly advised to get UM coverage. Mississippi does not require you to have additional coverage such as personal liability, uninsured/underinsured motorist insurance, or collision and collision insurance. However, if you own property or other valuable assets, completing the minimum requirements can help protect you from financial loss. Auto insurance protects you from financial losses such as vehicle repairs, medical bills, and legal services that could result from a car accident. While Mississippi`s auto insurance rates are cheap compared to other parts of the U.S. — where an annual premium on a vehicle can cost thousands of dollars — auto insurance remains a very important purchase for most Mississippians. To get the best value for money, you need to take responsibility for your car insurance purchase.
In addition to minimum requirements, insurance companies offer a variety of coverage options. These plans can protect drivers from the financial risks of owning and driving a car. Types of optional coverage include: MoneyGeek received auto insurance costs based on the minimum coverage limits set by the State of Mississippi on 50/25/25. This analysis uses the basic profile of a 40-year-old Mississippi resident with a clean driving record and a good credit rating behind the wheel of a 2010 Toyota Camry. While Mississippi regulations only require liability insurance, drivers can also cover their own medical expenses and property damage, regardless of who is at fault. In Mississippi, drivers can get optional supplements, such as medical payments, that cover you for medical expenses incurred as a result of an accident. You can also get uninsured motorist insurance in Mississippi to protect you if you have an accident with an uninsured or underinsured motorist. No, you don`t need auto insurance to register a vehicle in Mississippi. Mississippi state regulations do not require you to provide proof of auto insurance when registering a car.
However, you can`t legally drive in Mississippi without proof of auto insurance. Liability insurance covers damage you cause to other people and their property. It protects your property and wages from seizures and litigation. However, you should know that in this day and age of ever-increasing medical costs and auto repair bills, the minimum requirements imposed by the government of 25/50/25 may not be enough.