Whether you're looking to start new coverage or switch to SafeAuto, you'll want to make sure you have the minimum car insurance coverage that Mississippi law requires. SafeAuto can help you get cheap auto insurance rates that meet Mississippi's state minimum requirements. Get a free car insurance quote online today!
Liability insurance covers bodily injury and property damage claims resulting from an accident that is primarily your fault. The limits in your policy are the maximum amounts your insurance company will pay for bodily injury and property damage claims. They are typically expressed as three amounts separated by slashes written as 25/50/25 or 25,000/50,000/25,000
Mississippi's Financial Responsibility law requires you to maintain liability limits of at least:
The first number is the maximum amount that your policy will pay for bodily injury to or death of one (1) person in any one (1) accident.
The maximum amount that your policy will pay for bodily injury to or death of two (2) or more persons in any one (1) accident, subject to the $25,000 per person limit.
The maximum amount that your policy will pay for injury to or destruction of property of others in an accident.
Under Mississippi law, you must be able to produce documentary proof of Financial Responsibility at the request of a law enforcement officer.
The initial penalty for failing to maintain proof of Financial Responsibility may be up to $500 and include suspension of driving privileges (license and registration) for one (1) year or until the motor vehicle owner shows proof of insurance. If the driver produces proof of Financial Responsibility at the time of the court hearing, the fine may be reduced to $100. To reinstate your license you may be required to file proof of Financial Responsibility with the Department of Public Safety of the State of Mississippi (DPS).
An SR-22 is a certification of future proof of Financial Responsibility issued by your insurance company to the state providing proof that you purchased liability insurance. The following circumstances may require a person to file an SR-22:
If you are required to maintain a certificate of Financial Responsibility, your insurance company must provide the state with at least five (5) days advance notice before termination. SafeAuto will only issue a Mississippi SR-22 to Mississippi residents.
You can file a Statement of Non-Use if you are going to cancel the liability insurance on a vehicle that you own and will not be using on any roads or highways. Your vehicle record will immediately be updated to indicate that the vehicle will not be used from the "beginning date" through the "ending date" that you enter. For the purposes of canceling the liability insurance on this vehicle this statement must be submitted to the Office of Motor Vehicles prior to or within ten (10) days following the termination date of the liability insurance policy. If not, this statement cannot be used as compliance for the cancellation of liability insurance.
In the alternative, you may also surrender your plates to the office of motor vehicles in person or by mail to avoid penalties and reinstatement fees for vehicles that are not in use.
You can get a car insurance quote or by calling a dedicated SafeAuto customer service representative at 1-800-SAFEAUTO. Customer service is available 24/7 to assist you with your quote or answer any insurance questions you may have.