Uninsured Motorist Coverage — Mississippi
Uninsured Motorist Coverage pays your medical bills and vehicle damage when an at-fault driver has no insurance or flees the scene.
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What Is Uninsured Motorist Coverage Insurance?
Uninsured Motorist Coverage pays your medical expenses, lost wages, and vehicle repair costs when you're hit by a driver with no insurance, insufficient coverage, or who leaves the scene. It functions as a backup liability policy that covers you instead of relying on the at-fault driver's nonexistent insurance. The coverage applies to you, your passengers, and family members driving your vehicle. Mississippi law allows carriers to offer it but doesn't mandate that you purchase it, creating a gap most suspended-license drivers don't realize exists until after a crash.
Who Needs Uninsured Motorist Coverage Insurance?
Drivers without collision or comprehensive coverage need uninsured motorist property damage to cover vehicle repair costs after a hit-and-run or uninsured driver crash. If you're purchasing a non-owner SR-22 policy to satisfy reinstatement without owning a vehicle, uninsured motorist bodily injury is the only coverage protecting you as a passenger or pedestrian hit by an uninsured driver.
For suspended drivers reinstating with SR-22, this coverage is one of the cheapest risk transfers available.
How Much Does Uninsured Motorist Coverage Insurance Cost?
- Whether you add Uninsured Motorist Property Damage alongside bodily injury coverage
- Your county's uninsured driver rate — higher in DeSoto and Hinds counties than in coastal areas
- Your underlying liability limits — carriers often cap uninsured motorist limits at your liability limits
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