Mississippi is a state in the southern region of the United States. It is known for its hospitality, culture, and rich history. However, like every other state, Mississippi has its fair share of uninsured drivers on its roads. In fact, according to the Insurance Information Institute, Mississippi ranks fourth in the nation for the highest percentage of uninsured motorists. This means that if you are involved in a car accident in Mississippi, there is a high probability that the other driver will not have insurance.

If you are involved in a car accident in Mississippi with an uninsured driver, you may be left with a number of questions about how to handle the situation. You may wonder how you will pay for the damages to your car and any medical bills that you may have incurred. Fortunately, Mississippi law requires that all automobile insurance policies provide uninsured motorist coverage (UM) unless the policyholder waives this coverage in writing. This coverage can provide a way to recover damages and expenses from an accident with an uninsured motorist.

Uninsured Motorist Coverage Explained

Uninsured motorist coverage is a type of insurance that protects you in the event that you are in a car accident with someone who does not have insurance. It is designed to cover the cost of damages and injuries that you may sustain in an accident caused by an uninsured driver. In Mississippi, UM coverage is mandatory unless waived by the policyholder in writing. The minimum amount of coverage required in Mississippi is $25,000 per person and $50,000 per accident for bodily injury.

There are two types of uninsured motorist coverage: bodily injury and property damage. Bodily injury coverage pays for medical expenses, lost wages, and pain and suffering that you may have incurred as a result of the accident. Property damage coverage pays for the cost of repairing or replacing your vehicle or any other property that may have been damaged in the accident.

Uninsured Motorist Coverage Claims Process in Mississippi

If you have been involved in an accident with an uninsured motorist, the claims process for uninsured motorist coverage is similar to that of a regular car insurance claim. However, there are some key differences that you should be aware of.

First, it is important to contact your insurance company as soon as possible after the accident. You will need to provide them with the details of the accident, including the date and time, location, and any injuries or damages that occurred. You will also need to provide them with the contact information for the other driver, if possible.

Once you have reported the accident to your insurance company, they will assign a claims adjuster to your case. The adjuster will investigate the accident and determine who was at fault. If the other driver is found to be at fault, your insurance company will seek reimbursement from them for any damages that you have incurred.

If the other driver is uninsured, your insurance company will cover the damages and expenses that you have incurred, up to the limits of your uninsured motorist coverage. However, the claims process may take longer than a regular car insurance claim, as your insurance company will need to investigate the accident and verify that the other driver was uninsured.

It is important to note that even if you have uninsured motorist coverage, your insurance company may still try to deny your claim. They may claim that you were at fault for the accident or that your injuries were not caused by the accident. If your claim is denied, you have the right to appeal the decision and fight for the compensation that you deserve.

In order to avoid any issues with your claim, it is important to document everything related to the accident. This includes taking photos of the damage to your vehicle, collecting contact information for any witnesses, and keeping track of any medical bills or other expenses that you incur as a result of the accident. This documentation can help to support your claim and increase your chances of receiving the compensation that you deserve.

Being involved in a car accident with an uninsured driver can be a frustrating and stressful experience. However, in Mississippi, uninsured motorist coverage is mandatory and can provide a way to recover damages and expenses from an accident with an uninsured motorist. If you are involved in an accident with an uninsured driver, it is important to contact your insurance company as soon as possible and document everything related to the accident. With the right documentation and support, you can fight for the compensation that you deserve and move forward from the accident.

Free Mississippi Uninsured Motorist Coverage Accident Claim Consultations – Call (601) 969-2709 Today!

If you or a member of your family have been harmed in an uninsured motorist accident in Mississippi, do not delay in seeking legal help. The experienced Mississippi Uninsured Motorist Coverage Accident Claim Lawyer at Kellum Law Firm, P.C. is ready to help you navigate the insurance claims process and will make sure that your rights are protected. We are here to help you get the compensation you deserve.

Don’t hesitate to call us today at (601) 969-2709 to receive your free consultation. We will evaluate your case and determine the best course of action to help you recover from your injuries and get your life back on track. We understand how difficult it can be to deal with the aftermath of an accident in Mississippi, and we are here to assist you. Call us today to speak with Attorney Bill Kellum and take the first step towards justice.

Kellum Law Firm, P.C.
1438 North State St.
Jackson, MS 39202
(601) 969-2709
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Kellum Law Firm, P.C.
617 Market St.
Port Gibson, MS 39150
(601) 590-9000
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