How Automobile Insurance Affects A Car Accident In Hattiesburg, MS

May, 2014 by Alma Abell

The state of Mississippi imposes strict requirements for automobile insurance. They require all drivers or vehicle owners to possess the minimum liability insurance that is enforced throughout the country. The minimum coverage requirements for this insurance is $25,000 per injured individual involved in the accident with a maximum of $50,000. It should also cover no less than $25,000 for property damage. If you are involved in a Car Accident in Hattiesburg MS and the other driver is at fault, you may need to contact an attorney to represent you.

Automobile Accidents and Liabilities: Mississippi is not a no-fault state, which implies that any driver who causes a Car Accident in Hattiesburg MS is liable for medical costs and property damage sustained by the victim. The state provides optional automobile insurance coverage, which provides assistance for the vehicle owner’s property and medical coverage.

For instance, he or she could acquire a comprehensive policy, which encompasses all probabilities or uninsured motorist insurance. After a Car Accident in Hattiesburg MS occurs, law enforcement conducts an investigation to determine who was at fault. At any time that any driver is found driving without the minimum insurance requirements, he or she is subject to the penalties of this infraction. Even a first offense could incur a fine of $1,000. The driver’s license is suspended for a one-year period. Read more

The at-fault driver remains responsible for all liabilities associated with the accident even if he or she does not possess insurance. As a fault state, Mississippi does allow victims of automobile accidents to file a civil lawsuit against the driver who caused their accident, if compensation is not acquired through other methods. The value of the settlement equates to his or her medical expenses, automobile repairs, and legal fees.

If permanent or expensive injuries are sustained the settlement value may increase depending upon their severity. Disfigurement, loss of limb, or a permanent disability warrants higher compensation values. Fatalities that occurred during the automobile accident could also produce the need for wrongful death litigation. If you were the victim of an automobile accident, contact T Michael Reed for further assistance.

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