Mississippi Car Insurance After Reinstatement

Covers injuries you cause to others in an at-fault accident. If your liability limits are exhausted, you're personally liable for the remainder, which can include wage garnishment and asset seizure under Mississippi judgment enforcement rules.

Pays for damage you cause to another vehicle or property. Mississippi does not require collision or comprehensive coverage, even for financed vehicles, but your lender will.

An SR-22 is not insurance—it's a certificate your insurer files electronically with the Mississippi Department of Public Safety proving you carry at least state minimum liability. Mississippi requires SR-22 for DUI, reckless driving, driving while suspended, at-fault accidents without insurance, and accumulation of 12+ points in 24 months. The filing must remain active for 3 years from your reinstatement date—if your policy lapses for even one day, your insurer notifies the state and your license is re-suspended immediately.

Covers your injuries if you're hit by a driver with no insurance or insufficient coverage. Insurers must offer UM coverage equal to your liability limits, and you must reject it in writing at policy inception—verbal rejection is not valid, and the coverage is added automatically if the rejection form isn't completed.