Mississippi law requires a minimum of $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 per accident for property damage liability for auto insurance. These amounts are considered to be too low by some auto insurance companies, and they’ll recommend to carry at least $100,000 per person and $300,000 per accident for bodily injury and $100,000 for property damage. Check with your auto insurance company to understand the details of coverages they offer. All coverages are limited to any terms and liabilities of your auto insurance company.

If you are at fault in an accident, bodily injury coverage will cover the other party’s injuries, death, loss of wages, and pain and suffering costs. However, it does not cover the injuries, death, loss of wages, and pain and suffering costs of you or anyone else on your policy. You will need to purchase medical payment coverage for your policy or your own health insurance if you want coverage for yourself and dependents. In the event you are sued by the other party, this coverage will also cover the expense of your auto insurance company representing you in court.

Property damage liability covers damage you incur to property that is not your own, be it someone’s car, fence, pole, guardrail, et cetera. Note that you should carry enough to cover any possible damages. Any cost that exceeds your coverage amount will leave you paying the difference between the two numbers for the repairs out of your pocket. If you want coverage of your own vehicle in this instance, you will need to purchase collision coverage.

While other states require additional coverage such as uninsured motorist, comprehensive, or collision, Mississippi does not. However, you should look into and possibly add them to your policy to protect yourself and your assets in the event of your involvement in an accident. Medical expenses for yourself and/or dependents can become costly. Although you may want to rely on your health insurance policy for coverage of those costs, it may not be enough. While comprehensive and collision coverages are not mandatory by the state, they may be required by your bank if you have a loan for your vehicle.

Mississippi follows a tort auto insurance system. According to the law, in any accident, the at fault driver and their auto insurance company is responsible to pay for all medical expenses, including pain and suffering and loss of wages, of the driver and passengers in the other vehicle. Mississippi does not honor the no-fault system.

You must always carry auto insurance in the state of Mississippi. If ever pulled over by a police officer, you may be asked to provide proof of insurance. The first time you are caught without having adequate auto insurance you will be fined $1,000. Your license will be suspended for one year, or until you can provide proof of auto insurance. Penalties will increase with each additional offense of not carrying coverage.

Mississippi Auto Insurance Requirement Chart:

• Bodily Injury Liability: $25,000/$50,000 Limit
• Property Damage Coverage: $25,000 Limit

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