MISSISSIPPI AUTO INSURANCE GUIDE
Mississippi Uninsured & Underinsured Motorist Coverage
Mississippi automobile liability policies generally must include uninsured-motorist bodily-injury and property-damage coverage at statutory minimum levels unless the named insured rejects the coverage in writing. Mississippi’s statutory definition of an uninsured motor vehicle also reaches qualifying underinsured situations.
- Obtain the declarations page, UM endorsement and any signed rejection.
- Review insured status, household-resident status, occupancy and policy definitions under every potentially applicable policy.
- Analyze liability recoveries and available UM limits before resolving the underlying liability claim.
- Review subrogation, notice and consent provisions together with Mississippi statutory requirements.
Primary Mississippi Source
Miss. Code § 83-11-101 — UM Coverage and Rejection
Current-law review: September 16, 2026. Mississippi UM/UIM recovery is policy- and insured-status-specific.
VictimsGuide 