Mississippi Auto & Coastal Property Coverage
This chapter covers the coverage rules a Mississippi producer must know: the compulsory auto liability limits, Mississippi's tort (at-fault) system, and the coastal wind-and-hail issue that shapes homeowners coverage along the Gulf Coast.
Compulsory Liability and the Tort System
Mississippi requires minimum auto liability of $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage (25/50/25). Mississippi is a tort, or at-fault, state: it does not mandate no-fault personal injury protection, so an injured person keeps the full right to sue the at-fault driver for damages while compulsory liability coverage stands behind that driver. These are minimums set by state law; verify current figures with the Mississippi Insurance Department.
Coastal Wind and Hail
Along the Mississippi Gulf Coast, standard homeowners policies frequently exclude or sublimit wind and hail, and separate flood insurance (covering rising water) is obtained through the federal flood program. To fill the wind gap, Mississippi maintains a residual-market wind pool that offers wind and hail coverage of last resort in the designated coastal counties. Producers writing coastal property must understand how the wind pool, the homeowners form, and flood coverage fit together. Verify the current pool territory, coverage limits, and eligibility with the Mississippi Insurance Department.