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Liability Insurance — MS

Liability insurance pays for injuries and property damage you cause to others in an accident — it does not cover your own vehicle or medical bills.

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What Is Liability Insurance Insurance?

Liability insurance is the only auto coverage Mississippi requires by law. It pays the other driver's medical bills and repair costs when you cause an accident, up to the limits you purchase.

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Who Needs Liability Insurance Insurance?

You need liability insurance if your suspension was caused by DUI, excessive points, or lapsed insurance — Mississippi requires proof of continuous coverage as a reinstatement condition. You also need it if you are applying for a restricted license, even if your suspension has not ended, because the DMV will not process the application without an active policy and SR-22 filing.

Check your suspension notice for the phrase 'proof of insurance required' or 'SR-22 filing required.' If either appears, purchase liability coverage immediately to avoid extending your suspension. If you own a vehicle, buy a standard policy with at least 50/100/50 limits to reduce personal liability exposure. If you do not own a vehicle or do not plan to drive during suspension, buy a non-owner policy with state-minimum 25/50/25 limits and upgrade after reinstatement. Do not let the policy lapse — even a one-day gap restarts the SR-22 filing period in Mississippi.

Related Coverage Types

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Uninsured Motorist Coverage→

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Hardship License Insurance→

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Non-Owner SR-22→

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Non-Standard Auto→

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