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While it is not mandatory in Mississippi to have uninsured or underinsured motorist coverage, it is highly recommended. About 25% of drivers on the road in Mississippi are uninsured drivers, according to the Insurance Information Institute.

What is Mississippi Law?

Mississippi law requires people who drive in Mississippi to pay for the accidents that they cause. The current minimum liability limits in Mississippi are: $25,000 per person for bodily injury. $50,000 per accident for bodily injury. $25,000 per accident for property damage. This is known as 25/50/25 coverage.

However, if you’ve been hit by an uninsured driver, the minimum amounts might not be enough to cover the entire cost of your car damage and your medical bills. Purchasing more than the minimum requirement can help alleviate these costs and will cover you for uninsured drivers and/or underinsured damages.

After You’ve Been Hit in a car or big truck accident

Immediately following a crash, make sure you are not blocking traffic. Pull over to the outside shoulder or a parking lot to avoid oncoming traffic. If the police are not already at the scene, call them. Even in a minor accident, a police report is useful when dealing with insurance companies. Let the police determine who is at fault. Gather the information of the other driver by taking pictures, or if unavailable, write down their information. Make sure you document their license plate, driver’s license, insurance card, and pictures of the damage (or lack thereof) on both vehicles. Take pictures of the scene of the incident and surrounding street signs, landmarks, etc.

It is important to speak with a doctor or medical professional immediately to address any current injuries, or those that could arise later. Whiplash can be difficult to detect immediately, which is why it is extremely important to get a professional diagnosis. Leaving damages to your body untreated could result in potentially debilitating harm in the future.

Have you been in a car accident that was someone else’s fault? It is possible to file personal injury claims demanding ample compensation against the responsible person. AT MY LAW FIRM, WE WORK HARD TO GET YOU THE $$$ YOU DESERVE! To find out more about our services at the Law Office Of Becky Farrell, PLLC, fill out the CONTACT US form here on our website for a free and confidential consultation.


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  • Bay St. Louis Office
    125 Main Street
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    Bay St. Louis, Mississippi 39520
    Phone: 228-467-0177
    Fax: 228-467-4541
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