Policeman writes a ticket for a car he pulled over.

Your friends at Direct Auto & Life Insurance want drivers to know that this year Mississippi police officers will have the electronic ability to track down uninsured motorists to get them off the road.  Beginning September 1st, 2017 authorities will be able to enforce the use of a statewide electronic insurance verification program to instantly check whether or not someone has car insurance using the vehicle’s VIN number.1 While MS officials have not specifically determined exactly how and when to apply the system, other states such as Tennessee and Alabama, are using similar programs to validate insurance.  For example, both of these states have chosen to penalize uninsured drivers who are unable to show proof of insurance when they try to renew their registration or are pulled over by police.

Why is Mississippi looking to crack down on uninsured drivers?

The state estimated that 25-30% of drivers are currently uninsured, which is one of the highest rates in the country!  More uninsured drivers mean there are higher rates of insurance for those who do follow the law and buy insurance.  In some cases, someone with insurance may have to pay for the accident out of their own pocket if they don’t have the right coverage, even if the accident wasn’t the uninsured driver’s fault. An unfair disadvantage to those who pay for insurance, the state is looking into enforce the rules.

What are the consequences for driving without insurance?

  1. It’s against the law and uninsured drivers could lose their right to drive (have their driver’s license taken away), ability to own a vehicle, face jail time or more.
  2. The cost of a car accident could be more than actually paying for car insurance itself
  3. Both uninsured and insured drivers could incur higher insurance premiums

What does this mean for motorists who are driving without insurance?

Law enforcement will be able to electronically look up motorists in real time to see if they have insurance, making it easier and quicker for them to enforce the law. As stated above, there has been no definitive answer as to what Mississippi will do to penalize those who are caught driving uninsured.

What are the current penalties for driving without proof of insurance in Mississippi? 2

  • Fine: up to $500 fine
  • Driver’s License Suspension: up to 1 year or until the owner of the motor vehicle shows proof of liability insurance

How can drivers make sure they are abiding by the Mississippi law? How can drivers show proof of insurance if they’ve misplaced their insurance card?

First and foremost, drivers should maintain proof of coverage at all times. Drivers who are insured through Direct Auto & Life Insurance have digital access to their temporary insurance ID card 24/7, with the option to print or access it through our MyAccount page on our website. Also, the coverage should be at least the minimum required coverage in Mississippi. To learn more about how to use MyAccount check out Your Guide to MyAccount in our learning center guide or our infographic Reintroducing MyAccount!

What are the required minimum Mississippi car insurance requirements, or the liability limits?

According to Mississippi law, drivers must have at least $25,000 per person and $50,000 per accident for Bodily Injury Coverage, and $25,000 per accident in Property Damage. 3 Learn more about Direct’s Minimum Limits HERE.

Minimum Limits only protects the other driver in an accident. For protection from additional unexpected costs from the accident, drivers may want to consider more coverage. Either way, Direct can help find the right coverage for anyone! Call 1-877-463-4732 and let us help you decide the best choice for your auto insurance needs.

Where can drivers get affordable car insurance today?

Direct Auto & Life Insurance makes car insurance affordable and available for everyone. Our minimum limits start at just $29 a month in Mississippi. At Direct Auto & Life Insurance, you get a low rate, flexible payment plans and the great services you want, regardless of your driving history.

Direct Auto & Life Insurance’s Learning Center can help answer any questions you have about the insurance requirements in your state. For more information, Call 1-877-GO-DIRECT (1-877-463-4732) to speak to one of our licensed agents or visit one of our local stores.

Related Information:

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1 MS Criminal Information Center

2 Lexis Nexis

3 http://www.iii.org/fact-statistic/uninsured-motorists