Is Mississippi A No-Fault State? What Does That Mean?
Mississippi used to be a no-fault auto insurance state. Today, it is a comparative fault state. In Mississippi, you can file suit on a personal injury automobile accident and it is the jury’s responsibility to determine what percentage of fault of each party. For instance, if I’m the driver of a vehicle in a wreck and the jury determines that I am greater than 50% at fault for the accident, I can still recover damages. In other states, if a driver has greater than 50% fault, he or she cannot recover.
What Happens If I Am Involved In An accident With An Uninsured Or Underinsured Motorist?
The prudent and reasonable driver would try to take steps to protect themselves before an accident happens. When you purchase insurance, you can purchase coverage for uninsured motorists. Some people choose to save money and not purchase the uninsured motorist coverage. If you do and you are in an accident with someone who was derelict or negligent, and did not purchase insurance for their vehicle, then you can make a claim on your uninsured motorist up to its limit or up to the amount of damages you have. Otherwise, you can file suit against the other driver, who probably cannot pay a judgment.
What Is The Importance Of Having The Proper Amount And Right Kind Of Insurance In Mississippi?
The more value you hold on your personal estate, the more of a possibility there is that you might have a lien assessed against your property, if you don’t have the proper insurance coverage. The insurance coverage covers your mistakes; that is why you have insurance. It is good to have a healthy amount of liability insurance and then, depending on the value of your vehicle, to have enough to cover the damage to your vehicle if you are in a one-car accident. You should also have a reasonable amount of uninsured motorist to protect you in the event that you are in an accident with someone who either doesn’t have enough insurance coverage or doesn’t have insurance at all.
With the low minimums in Mississippi, it is very possible that the person who hit you will not have enough coverage for all your damages. If you have uninsured motorist coverage, then your insurance would make up the difference.
For more information on Auto Accident Claims In Mississippi, an initial consultation is your next best step. Get the information and legal answers you are seeking by calling (601) 871-3377 today.
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