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Mississippi Car Insurance Requirements
If you have an accident in Mississippi, be aware that the state follows what is called a “Tort” system. This means that someone will be found at fault for causing the accident. It also means that you can be sued in civil court for damages arising from the accident, if you are found to be at fault.
One way to cover yourself in case of an accident or if you get pulled over by a police officer is to make sure you have the minimum required car insurance coverage, as well as proof of that coverage in your car at all times. The requirements are very simple. You have to maintain bodily injury and property damage coverage. There are however, minimum amounts that you have to purchase. Understand that these are the minimum, you can get more if you want, and perhaps you should if you have an expensive car or in the case that you hit an expensive car. What your insurance does not cover comes out of your own pocket. That can be devastating if you are not ready for it. Honestly, who is ever “ready” for a car accident? If they were planned they would be referred to as “on purposes.” Seriously, the minimum bodily injury liability insurance amount you must have is $25,000 for one person and $50,000 for all persons combined. The amount of property damage liability insurance coverage required is $25,000. These are per accident limitations.
If you fail to maintain your insurance you will have to pay a fine in the amount of $1,000. You can also have our vehicle’s registration suspended for up to 1 year. This is for a first offense. The penalties get more extensive the more incidences you have of not keeping the proper car insurance on your vehicle. There is nothing unclear or muddy about the requirements for car insurance in Mississippi. If you are still unsure what you need, there are many websites that can help you determine your coverage needs, as well as give you quotes for what the proper Mississippi car insurance will cost you. So be sure to compare rates in order to get cheap car insurance in mississippi. In just a few minutes, you could be on your way to save some serious money. So, if you live in Mississippi, be sure that your car insurance is appropriate to meet the minimum requirements of the state.