SR-22 Auto Coverage in Mississippi
SR-22 Auto Insurance in Mississippi
Mississippi auto insurance laws require all drivers to maintain a minimum amount of liability insurance on each vehicle they drive. In addition, the driver must have a Mississippi Insurance Card and provide this card as proof of insurance while driving.
Failure to produce this card (or other proof of auto insurance) upon request by law enforcement officers may result in loss of driving privileges, towing of auto, and fines and fees; this also applies to SR-22 auto insurance coverage.
Mississippi auto insurance minimums
These are the minimum auto insurance limits allowable in the state of Mississippi. Vehicle owners may elect to purchase higher limits if they wish.
- $25,000 - Per Person Per Single Accident
- $50,000 - Bodily Injury Per Accident
- $25,000 - Damage to the Property of Others
Mississippi SR-22 information
Mississippi auto insurance laws also allow for certain drivers to be considered high risk drivers. These drivers may be required to obtain an SR-22 certificate before having their driving privileges restored. Generally, violations such as reckless driving, DUI, excessive tickets within a certain amount of time, and other moving violations can lead to the SR-22 requirement.
There are certain rules that must be followed when obtaining an SR-22 for Mississippi. The SR-22 must be obtained from an auto insurance company that is licensed to do business in the state. An SR-22 from another state will not be valid in Mississippi. The SR-22 tells the Mississippi DMV that you have current auto insurance, and it also states that if you allow the auto insurance to lapse, for any reason, they will contact the DMV.
SR-22 certificates are not exactly "auto insurance"; they are simply proof used to ensure that Mississippi high risk drivers keep auto insurance or lose their driving privileges. The length of time a person must keep an SR-22 on file varies with the offense.