MISSISSIPPI AUTO INSURANCE GUIDE
Mississippi UM/UIM Stacking, Nonstacking Options & Multiple Policies
Mississippi generally recognizes aggregation of available UM coverage, subject to policy and statutory rules. For a policy covering four or more vehicles, Miss. Code § 83-11-102 permits a specifically elected single-limit, nonstacking UM option if statutory disclosure and signed acceptance requirements are satisfied.
- Identify every potentially applicable UM policy and vehicle.
- For policies covering four or more vehicles, obtain any statutory single-limit nonstacking election form.
- A valid § 83-11-102 election can limit intra-policy stacking while still allowing appropriate aggregation with UM coverage from other policies.
- Analyze insured status and priority before calculating available limits.
Primary Mississippi Source
Miss. Code § 83-11-102 — Single-Limit Nonstacking Option
Current-law review: September 16, 2026. Confirm election forms and each policy’s treatment before assuming coverage stacks.
VictimsGuide 