{"id":374341,"date":"2016-10-04T17:21:27","date_gmt":"2016-10-04T22:21:27","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/state\/mississippi-law\/mississippi-car-accident-compensation-laws.html"},"modified":"2025-02-28T14:34:35","modified_gmt":"2025-02-28T19:34:35","slug":"mississippi-car-accident-compensation-laws","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/state\/mississippi-law\/mississippi-car-accident-compensation-laws.html","title":{"rendered":"Mississippi Car Accident Compensation Laws"},"content":{"rendered":"\n<div class=\"wp-container-core-columns-is-layout-9d6595d7 fl-sectionWithSidebar fl-container fl-flex fl-flex-wrap fl-gap30\">\n    \n    <div class=\"fl-page-articles fl-section-main fl-section-main-full-width\">\n        <h1 class=\"fl-no-margin-top\">Mississippi Car Accident Compensation Laws<\/h1>\n<section class=\"fl-gutenberg-byline\">\n    <div class=\"fl-gutenberg-byline-content\">\n                    By <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/susan-buckner-j-d\/\">Susan Buckner, J.D.<\/a> | Legally reviewed by <a\n                href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw Staff<\/a>\n                | Last updated\n        <time>\n                            February 28, 2025\n                    <\/time>\n    <\/div>\n\n    \n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-legally-reviewed\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Legally Reviewed\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>This article has been written and reviewed for legal accuracy, clarity, and style by <a href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with <a href=\"https:\/\/www.findlaw.com\/company\/company-history\/editorial-policy.html\">our editorial standards<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n\n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-fast-checked\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Fact-Checked\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>The last updated date refers to the last time this article was reviewed by FindLaw or one of our <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/contributing-authors.html\">contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please <a href=\"https:\/\/lawyers.findlaw.com\/?fli=bylinelink\" target=\"_blank\" rel=\"noopener\">contact an attorney in your area<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n<\/section>\n<p>Mississippi <a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents.html\" title=\"car accident laws\">car accident laws<\/a> give drivers a good chance of fair compensation following an accident if they follow the insurance requirements. Mississippi is an &quot;at-fault&quot; state, so the responsible driver&#8217;s insurance pays for other drivers&#8217; injury claims. Mississippi uses a pure comparative fault system, meaning all drivers can recover some of their damages.<\/p>\r\n<p>The combination of at-fault insurance laws and pure comparative fault recovery means that accident victims need a good <a href=\"https:\/\/lawyers.findlaw.com\/motor-vehicle-accidents-plaintiff\/mississippi?fli=dcta\" title=\"car accident lawyer\" target=\"_blank\" rel=\"noopener\">car accident lawyer<\/a> and an understanding of the auto accident compensation laws to make an accident claim in Mississippi.<\/p>\r\n<h2><b>Mississippi Car Accident Compensation Laws<\/b><\/h2>\r\n<p>Mississippi is an <a href=\"https:\/\/www.findlaw.com\/injury\/accident-injury-law\/proving-fault-in-accidents.html\" title=\"at-fault state\">at-fault state<\/a>. After a car accident, drivers file their personal injury and property damage claims with the other driver&#8217;s insurance company. Once the insurer determines the cause of the accident, the driver responsible for the accident pays for all damages.<\/p>\r\n<p><a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents\/fault-and-liability-for-motor-vehicle-accidents.html\" title=\"Proving fault\">Proving fault<\/a> in a car crash depends on police reports, medical records, and other information. All this information must reach the insurance adjuster before the deadline set by your insurance policy.<\/p>\r\n<p>Mississippi requires all drivers to carry <a href=\"https:\/\/www.mid.ms.gov\/mississippi-insurance-department\/consumers\/auto-insurance\/\" title=\"minimum liability\" target=\"_blank\" rel=\"noopener\">minimum liability<\/a> insurance, including:<\/p>\r\n<ul>\r\n<li>$25,000 bodily injury per person<\/li>\r\n<li>$50,000 bodily injury per accident<\/li>\r\n<li>$25,000 property damage per accident<\/li>\r\n<\/ul>\r\n<p>Your insurance pays other drivers if you are at fault. Mississippi does not require <a href=\"https:\/\/dictionary.findlaw.com\/definition\/personal-injury-protection-pip-.html\" title=\"personal injury protection\" target=\"_blank\" rel=\"noopener\">personal injury protection<\/a> (PIP) coverage or <a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents\/do-i-need-underinsured-motorist-coverage.html\" title=\"uninsured\/underinsured motorist\">uninsured\/underinsured motorist<\/a> (UI\/UIM) coverage. This insurance protects you if the other driver is at fault but has no auto insurance.<\/p>\r\n<h2><b>Comparative Negligence<\/b><\/h2>\r\n<p>Mississippi uses a <a href=\"https:\/\/www.findlaw.com\/state\/mississippi-law\/mississippi-negligence-laws.html\">pure comparative negligence<\/a> rule. In most car accident cases, drivers share at least some responsibility for the accident. For instance, one driver may have been speeding, but the other may not have worn their seatbelt. Under a comparative negligence system, a driver can still recover some damages even if they are partially responsible for their injuries.<\/p>\r\n<p>A pure <a href=\"https:\/\/www.findlaw.com\/legalblogs\/personal-injury\/what-is-comparative-negligence\/\" title=\"comparative negligence system\">comparative negligence system<\/a> reduces the driver&#8217;s recovery by the percentage of fault. For instance, a driver could be 90% at fault and recover 10% of their damages. This differs from modified comparative negligence, where a driver must be less than 50% or 51% at fault to recover damages. Under the harsh contributory negligence rule, a driver cannot recover damages if they are even 1% responsible.<\/p>\r\n<h2><b>Damages and Limits<\/b><\/h2>\r\n<p>In legal terms, <a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents\/what-kinds-of-damages-may-i-claim-for-car-accident-injuries.html\">damages<\/a> are the monetary award received following a car accident claim. There are two basic types of damages in a car accident lawsuit.<\/p>\r\n<p><a href=\"https:\/\/www.findlaw.com\/injury\/accident-injury-law\/economic-recovery-for-accidents-and-injuries.html\" title=\"Economic damages\"><b>Economic damages<\/b><\/a> cover medical treatment, lost income, and property damage.<\/p>\r\n<p><b>Non-economic damages<\/b> include <a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents\/car-accident-pain-and-suffering-damages.html\" title=\"pain and suffering\">pain and suffering<\/a>, emotional distress, and disability or disfigurement.<\/p>\r\n<p>Economic and non-economic damages are also called consequential damages because they result from the accident. Courts award <a href=\"https:\/\/www.findlaw.com\/legalblogs\/personal-injury\/when-can-you-sue-for-punitive-damages\/\" title=\"punitive damages\">punitive damages<\/a> in motor vehicle accidents if the defendant acted maliciously or deliberately recklessly.<\/p>\r\n<h3><b>Limits<\/b><\/h3>\r\n<p>Mississippi does not have a cap on economic damages. In most cases, courts limit an award to the amount shown in medical bills and accident reports. But, there is a <a href=\"https:\/\/codes.findlaw.com\/ms\/title-11-civil-practice-and-procedure\/ms-code-sect-11-1-60.html\" target=\"_blank\" rel=\"noopener\">statutory cap of $1,000,000<\/a> for non-economic damages, regardless of the actual verdict.<\/p>\r\n<p>The <a href=\"https:\/\/codes.findlaw.com\/ms\/title-11-civil-practice-and-procedure\/ms-code-sect-11-1-65.html\" target=\"_blank\" rel=\"noopener\">limit on punitive damage<\/a> awards is the net worth of the defendant. Courts may not award a plaintiff more than a statutory percentage of a defendant&#8217;s net worth.<\/p>\r\n<p>Mississippi&#8217;s <a href=\"https:\/\/www.findlaw.com\/state\/mississippi-law\/mississippi-civil-statute-of-limitations-laws.html\">statute of limitations<\/a> for a personal injury lawsuit is three years. The statute applies to personal injury claims and property damage lawsuits. There may be different time limits for medical malpractice claims if these are separate from the insurance claim.<\/p>\r\n<h2><b>Get Legal Advice from a Mississippi Personal Injury Attorney<\/b><\/h2>\r\n<p>Mississippi&#8217;s at-fault system and pure comparative negligence rule mean drivers can usually recover some damages for their accident. Get legal advice from an experienced Mississippi <a href=\"https:\/\/lawyers.findlaw.com\/motor-vehicle-accidents-plaintiff\/mississippi?fli=dcta\" target=\"_blank\" rel=\"noopener\">car accident attorney<\/a> for advice about your accident claim.<\/p>\r\n<div class=\"was-this-helpful\">\n    <div\n            class=\"was-this-helpful__question-container\"\n            aria-labelledby=\"was-this-helpful__question\"\n            role=\"group\"\n    >\n        <span\n                id=\"was-this-helpful__question\"\n                class=\"was-this-helpful__question fl-text-lg-bold\"\n        >Was this helpful?<\/span>\n        <button\n                class=\"was-this-helpful__button fl-text-sm\"\n                aria-label=\"Yes\"\n                value=\"yes\"\n        >\n            <span class=\"was-this-helpful__button-text fl-text-bold\">Yes<\/span>\n            <i class=\"was-this-helpful__button-icon\">\n                <svg width=\"22\" height=\"22\" viewBox=\"0 0 22 22\" 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19.236 12.01 18.67 12H16M9.00003 14V18C9.00003 18.7956 9.3161 19.5587 9.87871 20.1213C10.4413 20.6839 11.2044 21 12 21L16 12V0.999995H4.72003C4.2377 0.994543 3.76965 1.16359 3.40212 1.47599C3.0346 1.78839 2.79235 2.22309 2.72003 2.7L1.34003 11.7C1.29652 11.9866 1.31586 12.2793 1.39669 12.5577C1.47753 12.8362 1.61793 13.0937 1.80817 13.3125C1.99842 13.5313 2.23395 13.7061 2.49846 13.8248C2.76297 13.9435 3.05012 14.0033 3.34003 14H9.00003Z\"\n                              stroke=\"#666666\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                    <\/g>\n                    <defs>\n                        <clipPath id=\"clip0_604_3423\">\n                            <rect width=\"22\" height=\"22\" fill=\"white\"\/>\n                        <\/clipPath>\n                    <\/defs>\n                <\/svg>\n            <\/i>\n        <\/button>\n    <\/div>\n    <span class=\"was-this-helpful__taken-action fl-text-sm-bold\"><\/span>\n    <div class=\"was-this-helpful__feedback-container\">\n        <div class=\"was-this-helpful__choose-option-message\" role=\"status\">\n            <p class=\"was-this-helpful__choose-option-message-text\"><\/p>\n        <\/div>\n        <form class=\"was-this-helpful__feedback-form\">\n            <div class=\"was-this-helpful__feedback was-this-helpful__feedback--positive\">\n                <fieldset>\n                    <legend class=\"was-this-helpful__feedback-form-title\" tabindex=\"0\">Why was this helpful?<\/legend>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--understandable\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"positive-feedback\"\n                                value=\"Easy to understand\"\n         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class=\"was-this-helpful__feedback was-this-helpful__feedback--negative\">\n                <fieldset>\n                    <legend class=\"was-this-helpful__feedback-form-title\" tabindex=\"0\">Why was this not helpful?<\/legend>\n                    <div class=\"was-this-helpful__choose-option-message\" role=\"status\">\n                        <p class=\"was-this-helpful__choose-option-message-text\"><\/p>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--missing-info\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Missing Information\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--missing-info\"\n                        >Missing the information I need<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--complicated\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Too complicated\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--complicated\"\n                        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aria-live=\"polite\"><\/p>\n    <\/div>\n<\/div>\n\n\n    <\/div>\n    \n    <div class=\"fl-section-sidebar\">\n        <div class=\"fl-editors-summary\" data-testid=\"fl-editors-summary\">\n    \n    <div class=\"fl-editors-summary-content\" data-testid=\"fl-editors-summary-content\">\n                    <h2>Can I Solve This on My Own or Do I Need an Attorney?<\/h2>\n                <div class=\"fl-editors-summary-content-main\" data-testid=\"fl-editors-summary-content-main\">\n            \n        <\/div>\n        <ul class=\"fl-list-style-none\">\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    A lawyer can help seek fair compensation on your behalf\n\n                <\/li>\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium 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Many attorneys offer free consultations.<\/p>\n\n            <\/div>\n                            <div class=\"fl-editors-summary-content-link fl-flex\" data-testid=\"fl-editors-summary-content-link\">\n                <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                <p class=\"find-attorney\"><a href=\"https:\/\/lawyers.findlaw.com\/motor-vehicle-accidents-plaintiff\/#USER_GEO\/?fli=esum\" title=\"Car Accident Attorney Directory\" target=\"_blank\" rel=\"noopener\">If you need an attorney, find one right now.<\/a><\/p>\n\n            <\/div>\n            <\/div>\n<\/div>\n\n\n<div class=\"email-subscription fl-mb30\">\n    <div class=\"email-subscription-header\">\n        <div class=\"email-subscription-header-content\">\n            <h3 class=\"fl-callout-sm fl-no-margin\">Stay Up-to-Date With How the Law Affects Your Life<\/h3>\n        <\/div>\n        <div class=\"email-subscription-header-image fl-flex fl-items-end\">\n            <img 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