Personal Injury ~ Car Wreck ~ 18 Wheeler Crash ~ Motorcycle Accident

In Mississippi, liability auto insurance coverage is mandatory by law for all drivers. This coverage pays for bodily injury and property damage you cause to others in an accident where you’re at fault.

As of now, the minimum required coverage (per Mississippi Code § 63-15-3) is:

• $25,000 for bodily injury per person
• $50,000 for bodily injury per accident (if more than one person is injured)
• $25,000 for property damage per accident

This is often written as 25/50/25.

• Bodily Injury Liability: Medical expenses, lost wages, and pain/suffering for others injured in an accident you caused.
• Property Damage Liability: Repairs or replacement for other people’s vehicles or property (like fences, buildings, etc.) damaged in a crash you caused.

🚫 It does not cover your own injuries or vehicle damage — for that, you'd need additional coverage like collision or medical payments.

Driving without proof of liability insurance can result in:

• Fines: Up to $500
• Driver’s license suspension: Until proof of insurance is shown
• Vehicle registration suspension
• Reinstatement fees

While the 25/50/25 limits are legal, they are often not enough in serious accidents. Many experts recommend higher limits, such as:

• $100,000 / $300,000 / $100,000
• Or an umbrella policy for added protection

This helps protect your personal assets if you're sued after a serious crash.

• Uninsured/Underinsured Motorist (UM/UIM)
• Medical Payments (MedPay)
• Collision (for damage to your vehicle)
• Comprehensive (for non-collision damage: theft, hail, etc.)
• Rental reimbursement, roadside assistance, etc.