WHAT IF THE PERSON WHO HITS ME HAS NO INSURANCE OR ONLY MINIMAL COVERAGE?

It is estimated that one out of four drivers in Mississippi have no insurance coverage, so what happens if one of these uninsured motorists causes your accident? It may mean that the only viable option is to make a claim against your own insurance policy. These claims will then be subject to payment under the “uninsured motorist/underinsured motorist (UM/UIM)” provisions of your policy.

In Mississippi, you have a statutory right to purchase UM/UIM coverage along with your liability coverage, and you should exercise that right. Call your insurance agent and review your policy, and our recommendation is that the UM/UIM limits of your policy match the liability limits. If you are injured by someone with no insurance, your own policy may be your only chance of recovery.

The laws regarding UM/UIM coverage are complex, and so if you are faced with a situation where you own insurance may have to pay, consult with an experienced injury attorney to explore the best options for you. Call us at The Guthrie Firm, PLLC at (601) 991-1099 or toll free at 866-991-1555. We offer free consultations for serious accident victims, and we’ll be glad to help you.