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Mississippi Car Wreck Types of Mississippi Personal Injury

Can you be sued for personal assets and finances because of a wreck?

There’s a reason why you want to talk to a lawyer

If you’re ever involved in a car wreck, you might think it’s easy to prove you weren’t at fault. But rarely is a car wreck case black and white. If you are proven even partially liable for a wreck, some of your finances could be at stake.

Mississippi State Minimum Auto Insurance Coverage

Extra liability insurance might not be something that you think about when buying insurance, but the more assets you have, the more liability insurance you will want to have. In the state of Mississippi, drivers are required to have at least a 25/50/25 liability coverage. Breaking that down per category, that means each plan must cover a minimum limit of $25,000 per person for bodily injury, $50,000 per accident for bodily injury and $25,000 for property damage.

Mississippi requires all drivers in the state to have compulsory automobile liability insurance coverage. This means that drivers must carry proof, either electronic or in paper form, that their vehicle is insured with at least the minimum coverage mandated by law. The minimum liability coverage required in Mississippi includes $25,000 for bodily injury or death of one person, $50,000 for total bodily injury or death, and $25,000 for property damage in an accident where the driver is at fault. However, there is an exception to this requirement, as vehicle owners in Mississippi have the option to post a bond for the minimum required amount instead of purchasing insurance coverage.

That might not sound like too much, and it isn’t, especially when considering how hospital bills and cars have gone up dramatically in price post-Covid. Until Mississippi increases this minimum, you could find your finances and assets at risk after a wreck.

In Mississippi, driving a vehicle without the required minimums of auto insurance is considered a crime. It is important to note that under the law, driving without proof of insurance is a misdemeanor offense, which could result in a criminal record, fines of up to $500, (usually closer to $1,000) and a suspended driver’s license for up to one year. Furthermore, if you are found at fault in an auto accident without insurance, you may be held personally liable for the costs of the damage incurred in the crash. This includes covering expenses such as current and future medical bills, property damage, lost wages, and the pain and suffering of all parties involved in the accident, in addition to addressing your own injuries and damages.

The solution, however, is not complicated. If you do have personal finances, you need to consider those things when you determine the appropriate level of liability insurance that you are going to carry. Any type of personal injury, even unintentional, is subject to bankruptcy. If you have the minimum amount of coverage required by law, chances are that a claim could easily exceed that amount and you would be having to forfeit your finances and other assets in order to pay up. Now there is a bankruptcy backstop that would hit the brakes on the entirety of the proceedings pretty quickly, but, if you do have personal assets, you want coverage to protect those assets and yourself in case the worst happens.

Watch Baskin Jones answer this question on air:

Still confused? Call us: 601-272-2406 and we will give you a free consultation!

Have you been injured or know someone who has? Our lawyers at The Jones Law Firm work tirelessly to ensure you get the financial compensation you deserve and are legally entitled to receive under Mississippi state laws. 

Baskin L. Jones is a highly respected personal injury attorney and the founder of Jones Law Firm. With a Juris Doctor degree from the University of Mississippi School of Law, he has been an integral member of the Plaintiff’s bar for the last 14 years. Mr. Jones practices in personal injury, medical malpractice, wrongful death, and products liability cases, Mr. Jones has accumulated legal experience in this area and is accepting new cases. Mr. Jones has brought hundreds of cases to resolution including life changing verdicts and settlements for his clients. Mr. Jones participates in various prestigious local and national legal associations such as the Mississippi Association for Justice, the American Association for Justice. Recognized as a Top 100 Trial Lawyer and possessing an AV Preeminent Rating from Martindale-Hubbell, Mr. Jones is a distinguished advocate known for his expertise, ethical standards, and unwavering commitment to justice for accident victims in Jackson, MS.

We strive to put our clients first and to go above and beyond the call of duty. 

The Jones Law FIrm covers a broad range of practice areas, including Birth Injuries, Brain Injuries, Car Accidents, Family Law, Dog Bite Injuries, Premises Liability, Workplace Accidents, Medical Malpractice, Product Liability, Motorcycle Accidents, Nursing Home Neglect, Slip & Fall Accidents, Truck Accidents, and Wrongful Death.

The Jones Law Firm is here to help and we look forward to scheduling your complimentary initial case review. We are confident you will be highly impressed with the great reputation we have built within the greater Jackson, Mississippi area.

The Jones Law Firm offers assistance to individuals who have been involved in a car accident in Mississippi anywhere in the state by providing access to experienced auto accident attorneys. These attorneys are well-versed in navigating claims with insurers and are dedicated to recovering for our clients. Additionally, they provide guidance in treatment, medical insurance, and medical billing to help individuals who have been impacted by an accident. If you are in need of guidance in handling your claim after a car accident in Mississippi, the auto accident lawyers at the Jones Law firm, centrally located in Jackson, we are available to offer support. Contact their office today to schedule a free consultation and explore the legal avenues available to you following an accident.


Baskin Jones

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