What is the law in Mississippi regarding insurance?
Beginning January 1, 2001, Mississippi law requires that all drivers maintain liability insurance and carry a card in their vehicles at all times showing that you have liability insurance.
Is Mississippi a no fault auto insurance state?
Mississippi is a “Fault” Car Accident State
The first thing to know is that Mississippi follows a traditional fault-based system when it comes to financial responsibility for losses stemming from a crash: that includes car accident injuries, lost income, vehicle damage, and so on.
Does insurance follow the car or the driver in Mississippi?
In most situations, the driver’s insurance plays a role regardless of whose car they are driving and who caused the accident. That is true regardless of whether a state has at-fault or no-fault laws because no-fault insurance only applies to medical payments.
Is Mississippi a no pay no play state?
Currently, ten states have no pay, no play laws on the books: Alaska, California, Iowa, Kansas, Louisiana, Michigan, New Jersey, North Dakota, Oklahoma, and Oregon.
How long do you have to get insurance after buying a used car in Mississippi?
The Mississippi new-car insurance grace period is 2 to 30 days in most cases. The new-car grace period is how long insured drivers are allowed to drive a newly purchased vehicle before adding it to an existing car insurance policy.
What is the minimum auto insurance coverage in Mississippi?
Minimum insurance requirements for Mississippi
The minimum amount of Mississippi auto insurance coverage is $25,000/$50,000/$25,000. In the event of a covered accident, your limits for bodily injury are $25,000 per person, with a total maximum of $50,000 per incident.
Who pays for car damage in a no-fault state?
In most states, the driver who caused the accident will bear financial responsibility (usually through an insurance company) for injuries and other losses. But in a dozen or so states, the car insurance process starts (and often ends) with a no-fault car insurance claim made through your own coverage.
How much is a ticket for no insurance in Mississippi?
Mississippi Penalties for Driving without Car Insurance
If you are caught driving without insurance in Mississippi, you may be fined $1,000 and face suspension of your driver’s license and vehicle registration for (1) up to one year or (2) until you can show proof of financial responsibility.
Is it illegal to talk on the phone while driving in Mississippi?
Mississippi currently has no restrictions on making or receiving calls or talking on a phone while driving.
Do I have to have insurance in Mississippi?
Mississippi law requires all your registered vehicles have liability insurance and that you carry proof of insurance in all your vehicles. The minimum required insurance is: … Property Damage Liability coverage of at least $25,000 to cover damage to the property of others caused by an auto accident.
What strategies should drivers follow when traveling long distances?
These tips for long drives will help you down the road.
- Get plenty of sleep before your drive. Think about exhaustion before you begin your journey, not after. …
- Bring healthy road trip snacks. …
- Stay hydrated. …
- Plan your rest stops. …
- Chew gum. …
- Use energizing scents. …
- Sit up straight. …
- Keep passengers entertained.
Can someone drive my car if they are not on my insurance?
If a friend or a family member has an accident and isn’t insured, then you will have to use your insurance. Unless you have expressly denied that driver permission to use your vehicle.
What if at fault driver has no insurance?
If you’re found to be at fault for an accident and are uninsured, it could wind up costing you. Legally, at-fault drivers are liable to pay all of the injured party’s damages. The purpose of an insurer is to foot the bill if you find yourself in this unfortunate situation.
Is there PIP in Mississippi?
No, personal injury protection (PIP) is not required in Mississippi. PIP is not even available in Mississippi. Instead of PIP insurance, Mississippi insurance companies offer medical payments insurance (sometimes called MedPay), which helps with hospital bills resulting from a car accident.