When you take to the open road, specific rules are in place to keep you safe. Your worries about things that could go wrong while driving can be set at ease with the proper protection. If you know where to look, Mississippi car insurance can have coverage for hail damage, severe weather, and other losses.

A Mississippi independent insurance agent will do the shopping for free through their highly rated carriers. This makes it super-easy to get a policy that's effective and affordable. Connect with a local expert for tailored quotes to get started.

What Is Car Insurance?

Mississippi car insurance is regulated by state law. There are minimum liability limits that are required when you live in this state. Take a look at what is needed and what is included in your policy below:

Minimum limits of auto liability in Mississippi: 

• $25,000 per person/ $50,000 per accident/ $25,000 property damage

Your auto policy will provide coverage for the following:

• Property: Coverage for damage to vehicles and outside property
• Liability: Coverage for bodily injury or property damage
• Medical: Coverage for your medical expenses due to an at-fault loss

What Does Car Insurance Cover in Mississippi?

When you're shopping for auto insurance, you'll get a basic policy where liability coverage is the only thing included. In order to have protection for severe weather damage and other losses, it has to be added. In the meantime, check out some options:

• Gap coverage: Pays for the difference between your remaining loan balance and the market value when a total loss occurs.
• Tow coverage: Will pay for a tow truck to tow a covered auto due to a loss.
• Rental car coverage: Will provide reimbursement for a rental car when your covered auto is damaged. 
• Collision: Pays for damage to your vehicle when you collide with another object, and it's your fault. 

What Doesn't Car Insurance Cover in Mississippi?

Every car insurance policy in Mississippi has losses it won't cover. Some limits may not be included or mandatory but can be added. Check out one that's not automatic under your policy, but should be:

• UM/UIM: This coverage will pay for your expenses arising from an accident with an uninsured at-fault driver. Coverage starts at $25,000 per person/$50,000 per accident/ $25,000 property damage.  
• National average of uninsured drivers: 13.0%
• Mississippi average of uninsured drivers: 23.7%

Average value of private passenger auto collision insurance claims for physical damage in the US

The right insurance policy is vital to be accurately insured. Collisions can only be covered under collision coverage or UM/UIM limits.

How Much Hail Damage Is Covered under Car Insurance in Mississippi?

Similar to other limits under your car insurance policy, coverage for hail damage is not automatically included. You'll have to add comprehensive insurance to have a loss covered. Check out how it works:

• Comprehensive coverage: This limit is optional and will pay for damage to your covered autos. Provides coverage for a loss caused by fire, severe weather, hail, or an obstruction hitting your vehicle. 

Property damage from hail in the US

Unless your vehicle is always parked under a covering, there's a chance you'll encounter hail at some point. Damage to your car from a hailstorm is only covered by comprehensive insurance added to your auto policy.

Other Disasters Your Car Insurance Will Cover in Mississippi

Car insurance comes standard with protection for bodily injury and property damage to others. However, when your own vehicle is involved, you'll want coverage for replacement or repair. 

Comprehensive and collision limits will provide insurance for a claim involving storm damage and at-fault accidents. These coverages cost an additional premium and usually double your Mississippi car insurance costs. Speak with a trained adviser for exact pricing. 

How a Mississippi Independent Insurance Agent Can Help You

The right car insurance policy can be challenging to find when you're not a licensed professional. Instead of going it alone, consider using someone who knows and works with carriers. Mississippi has a network of trusted advisers that can help for free.

A Mississippi independent insurance agent will shop rates and coverage through their highly rated markets. They'll compare policy and premiums so that you're getting the best insurance in town. Connect with a local expert on trustedchoice.com for custom quotes, and start saving today.