Mississippi is not a no-fault state for car insurance purposes. When an accident occurs, an investigation is conducted to determine which driver was responsible for the accident. The at-fault driver is responsible for paying for the damages he or she caused.
People who have been injured in motor vehicle accidents have the right to sue to get compensation for their medical and rehabilitation expenses, as well as lost wages. All drivers in the state are required to have bodily injury liability coverage in place to pay for these types of expenses.
The at-fault driver in an accident is also responsible for paying for the cost of repairs to the other driver’s vehicle. The property damage portion of the insurance policy is used for this purpose.
Since Mississippi has adopted a tort system for car insurance purposes, it’s important for drivers to have a good level of coverage in place. If the responsible driver doesn’t have enough insurance coverage to pay for the damages caused, he or she will be responsible for paying the difference personally.
Rather than limiting the policy limit to the minimum level of coverage required by law, Mississippi car insurance buyers should consider buying one that provides a higher degree of protection. Car insurance coverage is meant to protect the policyholder’s assets, and skimping on coverage may end up having significant financial consequences if an accident occurs.