Reader’s Question:
Is it necessary to obtain auto insurance in Mississippi? If so, will getting free online auto insurance quote help me in deciding which company to take?
Mike
Jackson, MS
The State of Mississippi now requires all its motorists to have financial responsibility over accidents they may cause from driving on the public roads. The most typical and effective way of complying with this law is by buying auto insurance equivalent to the statutory requirements. Moreover, motorists need to carry proof of insurance with them at all times in the vehicle. Failure to present one when asked by a law enforcement officer may end up in suspension of driving privileges. Other assets including the vehicle may also be at risk of government seizure if the owner of the vehicle is unable to furnish the Department of Motor Vehicle (DMV) with the requested documentation ten days from the time of citation. An initial infraction of driving without proof of insurance also fetches a hefty fine of $1,000.
When buying auto insurance, a motorist has to take responsibility in choosing which company to take. So it is always smart to research on the state-approved insurance carriers first before purchasing one to avoid falling victim to illegitimate businesses. A motorist has to carry the 25/50/25 minimum liability coverage to pay for bodily injuries and property damage he or she caused. This also kicks in if legal representation is needed when the insured is sued.
With the rising prices in medical care and vehicle repairs, it would be smart to purchase higher coverage limits as the minimum requirement may not be enough to pay for all the costs. Remember that you will need to pay out of your pocket for any remaining amount that your coverage was not able to shoulder. Adding Collision and Comprehensive Insurance is another smart investment, so that you may be able to avail of financial assistance when necessary repairs are needed for your vehicle. And to assure that you get the most competitive and reasonable rates in the market, do some comparison shopping. You may get a free online auto insurance quote from websites of state-accredited insurance providers.