Under the Mississippi Financial Responsibility Law, the minimum required car insurance coverage for Mississippi is $25,000 for one persons bodily injury per accident, $50,000 for bodily injury per accident and $25,000 for property damage per accident. This means that your car insurance will take care of all the expenses up to the stated limits, if you are proven to be the guilty party.

All drivers that are residents of Mississippi are required to carry car insurance for Mississippi whenever they are driving on the roads, streets and highways. If you are caught driving without car insurance, you will have to pay a fine and or even have your divers license suspended for up to a year or until you have shown your proof of car insurance. If you can produce proof of car insurance during the court hearing, the fine will be reduced. You will also need to provide proof of car insurance coverage for Mississippi in order to have your license reinstated. The second time and subsequent offenses have harsher penalties so it is better to have your car insurance if you are driving in Mississippi.

Aside from the car insurance, you might also need the SR-22 as your proof of Financial Responsibility to get your license reinstated. This is certification issued to you by your insurance provider which proves that you have purchased the required liability insurance. You will need an SR-22 if you want to reinstate your license which has been suspended for your failure to pay for an accident which you are responsible for. If you want to reinstate your license after it has been suspended due to your failure to have proof of Financial Responsibility; and or if you want to reinstate your license after it has been suspended because you have been convicted of DUI.

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