If you're looking for proper protection while on the road, there are a lot of choices. While you won't be expected to know what could go wrong, you'll want coverage for what could. Mississippi car insurance can have you covered against tornadoes and more.

Fortunately, a Mississippi independent insurance agent will have access to multiple carriers at once, giving you options. They'll do the shopping for free so that you can save time. Connect with a local expert for custom quotes to get started.

What Is Car Insurance?

Car insurance is not only necessary in Mississippi, it's also required by law. To obtain the right protection, take a look at how car insurance can help against a tornado:

• Car insurance: Pays for bodily injury, property damage, and liability losses when you're involved in a car accident. Coverage comes with several options for protection against severe weather like tornadoes.

Estimated annual car insurance premiums in the US, by state (in US dollars)

The price of car insurance will vary from person to person. However, the average cost for Mississippi auto coverage can give you a good starting point.

What Does Car Insurance Cover in Mississippi?

Mississippi car insurance is mandated by law, and specific limits are needed to comply. Check out the minimum auto coverage amounts in Mississippi:

• $25,000 for each person injured in an accident
• $50,000 maximum for the entire accident
• $25,000 worth of coverage for property damage

What Doesn't Car Insurance Cover in Mississippi?

In Mississippi, 23.7% of drivers on the road are uninsured. This means your coverage needs to be enough protection for you and others on the road. You'll need to add specific limits to be fully insured.  

Coverages you'll want to consider:

• Comprehensive: Pays for physical damage to your vehicle when an accident with severe weather, hail, or animal occurs.
• Collision: Pays for physical damage to your vehicles when an accident occurs with another object that's your fault.
• Uninsured/underinsured motorist: Pays for bodily injury and property damage when you're involved in an accident with an uninsured or underinsured motorist.
• Towing and roadside assistance: Pays for a tow when your car is stranded.
• Rental car: Allots a specific amount for a rental vehicle while yours is being repaired or replaced due to a covered claim.

Does Car Insurance Cover Tornado Damage in Mississippi?

While tornadoes are automatically covered under your homeowners policy, they are not when it comes to your auto insurance. To have protection for repair or replacement of your vehicle due to damage caused by a tornado, you'll need to add it. Comprehensive coverage is necessary and will protect your vehicle from a severe weather loss.

How to File a Car Insurance Claim for Tornado Damage in Mississippi

If you're involved in a tornado and your car has been damaged, it may be challenging to know what comes next. When a claim occurs, you'll want the proper steps to get it handled. 

Economic damage caused by tornadoes in the US (in million US dollars)

To ensure that you're loss is being taken care of, there are four simple steps you'll want to know. Check out the following to file a car insurance claim when a tornado occurs:

• Step 1: Get to a safe place.
• .Step 2: Call your independent insurance agent
• Step 3: Obtain information from your agent on how to obtain a temporary replacement vehicle.
• Step 4: Set up a meeting with your assigned adjuster. 

How an Independent Insurance Agent Can Help in Mississippi

Mississippi car insurance can be a tricky thing if you're not sure where to start. There are several coverage options to choose from, and it can get confusing. Fortunately, there are trained professionals that can do the work for you.

A Mississippi independent insurance agent does the shopping for free with multiple carriers. This gives you the best options on coverage and price. Connect with a local expert on TrustedChoice.com to find the perfect car insurance policy for tornado damage protection.