Were you hit by a Mississippi driver who had no insurance or whose policy will barely make a dent in what you’ve lost? You’re not alone. Mississippi ranks
first in the nation for uninsured drivers, and thousands of accident victims across the state face this exact situation every year. Without the right legal guidance, many of them walk away with far less compensation than they’re entitled to.
The attorneys at Derek Hall are here to make sure that doesn’t happen to you. Our team has more than 30 years of experience handling
car accident claims throughout Mississippi, including complex uninsured and underinsured motorist cases. We can review your situation, explain your options, and fight to get you every dollar your claim is worth.
Contact us today for your free, no-obligation initial consultation. Your case review is fully confidential, and you pay nothing unless we successfully resolve your matter.
An uninsured motorist accident is one in which the at-fault driver has no auto liability insurance. An underinsured motorist accident occurs when the at-fault driver has insurance, but their policy limits aren’t high enough to fully cover your losses. Both situations can leave you in a serious financial bind after a crash that wasn’t your fault.
Mississippi has the highest uninsured driver rate in the country. In one recent year,
28.2 percent of Mississippi drivers were uninsured. That means nearly one in three drivers on Mississippi roads may have no coverage at all. High insurance costs and poverty rates are among the factors contributing to this issue, but understanding the cause doesn’t make the situation any less difficult if one of them hits you.
No. Mississippi law requires insurance companies to include uninsured motorist (UM) coverage in all auto liability insurance policies, but policyholders can reject that coverage in writing. If you signed a waiver at some point declining UM/UIM coverage, your policy may not include it.
Mississippi also requires all drivers to carry liability insurance, with
minimum limits of $25,000 per person and $50,000 per accident for bodily injury and $25,000 for property damage. Despite that legal requirement, hundreds of thousands of Mississippi drivers remain uninsured. If you aren’t sure whether your policy includes UM/UIM coverage, it’s a good idea to check before you need it.
