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Mississippi Insurance Laws and Regulations

The Mississippi Insurance Department develops and enforces insurance laws for the state. Consumers can contact the department with questions and complaints about their home and auto insurance. If you do not receive the service you expect from your insurer, you can file a complaint directly with the Department of Insurance. The state of Mississippi does not publish complaint data for consumers to use when making purchase decisions.

The insurance commissioner in the state of Mississippi is elected by the voters of the state. Being elected by voters makes the commissioner directly accountable to the citizens. This is beneficial to consumers when dissatisfied with the performance of an insurance company.

Important Laws

A summary of the driving safety laws for the state of Mississippi can be found at this link. The information includes a summary of the laws affecting people driving cars, or riding motorcycles or bicycles while using cell phones or texting. Also included are the requirements for child safety seats, wearing a helmet and being under the influence while operating a vehicle in the state of Mississippi.

The Mississippi Statute of Limitations defines the time limit following an accident when you can file a lawsuit. Once this time limit has passed, you can no longer file a lawsuit.

State law in MS allows for homeowners insurance companies' to invoke hurricane and named storm deductibles. This type of deductible means you will pay a percentage of your homes value before the insurance company pays for losses. This different type of deductible goes into effect when a named storm or hurricane warning is issued by the National Hurricane Center.

Mississippi has minimum auto insurance amounts that are required by law. The table below shows the MS minimum car insurance limits.

Resources Available to Consumers

The Mississippi Small Claims Court is available for you to resolve issues, without needing to hire an attorney. This link to the small claims court provides more information, including the dollar limit of claims that can be made in this court.

The Federal Emergency Management Agency (FEMA) is for disaster victims who are uninsured, underinsured or the victim of a flood.