Coverage for Bodily injury

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PostPosted: Wed Mar 13, 2013 6:10 pm   Post subject: Step down in policy limits  

is there a step down in liability limits law in Misssissippi for a guest passenger in an automobile accident.



if limits for state of vehicle is lower than state of accident. would the veh state limits prevail or the state of the accident for a guest passenger?


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PostPosted: Thu Mar 14, 2013 8:10 am   Post subject:   

Mississippi auto minimum liability limits are a respectable $25,000 per person / $50,000 per accident and $25,000 property damage ("25/50/25"). There is no difference in coverage for a passenger or a driver injured as the result of someone else's negligence.



All auto insurance policies include a provision labeled "Conformity with State Statutes." This provision is two-pronged. First, if the state in which the policy was issued changes the law in a way that affects the policy, the policy will automatically "conform" to that change without having to give other notice to the insured (unless required by law), usually without a change in premium until the next renewal.



Second, when an insured driver is involved in a collision in a different state than the one in which the policy was issued, the policy will automatically "conform" to the laws of that other state as may be necessary.



For example, a minimum insured Mississippi driver is involved in a collision in Texas, where minimum limits are 30/60/25. His policy would instantly improve to the 30/60 requirement of Texas law, at no additional cost. But if a minimum insured Texas driver were involved in a collision in Mississippi, her higher limits of liability would not be reduced and the full 30/60 would be available to the injured persons.in Mississippi.



The same would be true of any driver who carries much higher limits of liability, such as 100/300/50. Those amounts would apply no matter where a collision occurred because they are higher than the minimums in all states.



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PostPosted: Thu Oct 25, 2018 6:30 pm   Post subject: Liability car insurance covers any financial damages  

There are two types of liability auto insurance; Bodily Injury and Property Damage. Bodily injury liability pays for any expenses that result from the injuries sustained in the accident while property damage liability serves to compensate the other parties for damaged property. For more detail please visit generalcarinsurances.com

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PostPosted: Mon Oct 29, 2018 2:36 pm   Post subject:   

There are two types of liability auto insurance; Bodily Injury and Property Damage. Bodily injury liability pays for any expenses that result from the injuries sustained in the accident while property damage liability serves to compensate the other parties for damaged property. As per generalcarinsurances.com and my knowledge as well.

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