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Uninsured Motorist Coverage — Mississippi

Uninsured and underinsured motorist coverage pays for your injuries and vehicle damage when you're hit by a driver who has no insurance or too little to cover your losses.

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What Is Uninsured and Underinsured Motorist Coverage Insurance?

Uninsured motorist coverage pays your medical bills, lost wages, and vehicle repair costs when you're hit by a driver with no insurance. Underinsured motorist coverage kicks in when the at-fault driver has insurance but their liability limits are too low to cover your full damages. Both coverages protect you from paying out of pocket for someone else's mistake when that driver can't or won't pay.

A vehicle sideswipes you on I-55 and flees the scene. You never identify the driver. Your uninsured motorist coverage treats this as an uninsured driver claim and pays for your injuries and vehicle damage up to your policy limits, subject to your deductible.

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Who Needs Uninsured and Underinsured Motorist Coverage Insurance?

You should carry uninsured motorist coverage if you don't have health insurance that covers car accident injuries, if you can't afford to replace your vehicle out of pocket, or if you drive frequently in areas with high uninsured driver rates. Given that nearly one in four Mississippi drivers carries no insurance, this coverage protects you from a common and expensive risk.

Compare the annual premium to your out-of-pocket risk. The math favors coverage unless you have other insurance or assets covering the same risk.

How Much Does Uninsured and Underinsured Motorist Coverage Insurance Cost?

Your selected coverage limits — choosing limits equal to your liability limits costs more than minimum uninsured motorist coverage
Whether you add uninsured motorist property damage coverage in addition to bodily injury coverage
Your county's uninsured driver rate — Jackson and Delta counties see higher premiums due to concentration of uninsured drivers
Whether you stack coverage across multiple vehicles on your policy, which increases the available payout but raises the premium
Your claims history with uninsured motorist claims, which some carriers factor into renewal pricing

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