STATE LAW – MISSISSIPPI LIBRARY – GUIDE 15
Mississippi Rideshare & Transportation Network Coverage
Mississippi transportation network company insurance is stage-specific. Coverage changes when the driver is merely logged on and available versus engaged in a prearranged ride.
Rideshare / TNC
App status determines the statutory insurance layer
Miss. Code § 77-8-15 requires insurance that recognizes TNC activity and separates the waiting stage from the prearranged-ride stage.
Logged on and available
When the driver is logged on and available but has not accepted a prearranged ride, the statute requires at least $50,000 bodily injury/death per person, $100,000 per incident, and $25,000 property damage, plus uninsured-motorist coverage to the extent required by § 83-11-101.
Prearranged ride
During a prearranged ride, the statute requires at least $1 million in primary automobile liability coverage for death, bodily injury, and property damage, together with UM to the extent required by Mississippi law.
TNC backup coverage
If the driver’s insurance has lapsed or fails to provide the required coverage, the TNC’s insurance must respond from the first dollar as provided by statute and includes the duty to defend the claim.
Evidence to preserve
- Login/logout records.
- Ride acceptance, pickup, and drop-off timestamps.
- Platform GPS/trip data.
- Personal and TNC policies.
- Platform incident reports and communications.
Authorities
Primary Mississippi authority for this topic
Use the current statute, controlling decisions, and operative policy before legal reliance.