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Category Archives: Mississippi Insurance

Mike Dortch and the licensed agents of InsureDirect offer the lowest Mississippi Auto Insurance rates. One call to our Mississippi Auto Insurance Toll-Free Hotline will save you lots of time and money. Not only will we offer the lowest Mississippi Auto insurance rates and the surrounding area, you don’t even need to leave the comfort of your home to obtain insurance coverage.

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All Mississippi Auto insurance rates quotes and all online Mississippi Auto insurance products are bound for insurance coverage through our sister insurance agency’s appointment contracts, Combined Insurance Group, Ltd. Free Mississippi Auto insurance rates provided both online and through our Mississippi Auto Insurance Toll-Free Insurance Quote Hot-Line.




Updated (6/24/2012) : Mississippi auto insurance minimum liability coverage is often referred to as the 25/50/25 which means that each driver shall carry Bodily Injury Liability with a minimum amount of $25,000 per person for a single accident, and $50,000 for all persons in a single accident. As for Property Damage Liability, each driver is required to carry coverage with a minimum of $25,000 per accident.

The said liability coverage will pay for the injuries and property damage an insurance policyholder may cause to other people and their properties. In the event that the costs of injuries and damages exceed that of the said limits, the policyholder will have to pay for the difference. For this matter, it is recommended that consumers purchase said coverage with higher limits.

As to protect the policyholder and his vehicle against injuries and damages, it is also recommended that a policyholder purchase additional coverage such as the following:
• Medical Payments – to pay for the medical expenses of persons injured including that of the policyholder, regardless of whose fault the accident was.
• Collision – to pay for the damages obtained by the policyholder’s vehicle in a collision accident.
• Comprehensive – to pay for the repair or replacement costs of the policyholder’s vehicle in the event that this will obtain damages for reasons other than collision, or when the said vehicle will be vandalized or stolen.

To know more about Mississippi car insurance or the particular cost of insuring your vehicle, you may call toll free number (800) 807-0762, or get your Mississippi car insurance quotes through the Get Quotes option provided above.



Mississippi state law requires minimum Bodily Injury Liability coverage of $10,000 per injured person up to a total of $20,000 per accident, and Property Damage Liability coverage with a minimum limit of $5,000.

This basic coverage is often referred to as 10/20/5 coverage.

State law that regulates Mississippi car insurance requires all drivers to maintain liability insurance and must carry at all times a proof of such insurance policy.


Mississippi To Overhaul Low Cost Auto Insurance Rates

Mississippi To Overhaul Low Cost Auto Insurance Rates

Post Date February 24, 2012 – Mississippi is seeking to improve the current car insurance system with a less complex low-cost auto insurance protection policy.  According to those opposed to the bill feel changes will definitely change the current auto insurance system.  Mississippi has a tort based auto insurance system with a liability policy for accidental damage to third-party vehicles or property.  The system stipulates that drivers responsible for at fault accidents can only compensate accidental damages up to the limit of their car insurance liability policies.  Such factors include the amount of liability insurance carried by the other driver,  and their financial resources and the car insurance carrier.  Two victims of similar car accidents can receive different compensation depending on the prevailing circumstances of the case. The states mandated liability car insurance does not cater for single vehicles car crashes.

The proposed legislation seeks to dispose of current system and replace it with PIP insurance coverage.  The PIP policy system will provide close to $15,000 that will cater for:

  • Medical treatment compensation for hospital bills not exceeding the policyholders PIP limits.
  • Compensation for loss of income during the period of incapacitation.
  • Reimbursement for spare parts and similar parts replacement services.
  • Benefits to the next of kin in case of death.

PIP coverage will also require drivers to fork out about $10,000 for property damage coverage. Motorists will have a chance to adjust their coverage limits depending on preference and type of vehicle owned.  In many states, PIP and liability insurance go hand in hand for all motorists.  Drivers in the Mississippi will have a joint system, whereby PIP and tort liability operate together. In a situation where car accidents where one driver may not have PIP, his/her liability insurance policy will settle for damages incurred. Failure to settle claims due to insufficient PIP limits makes at fault drivers culpable for law suits from the aggrieved driver.


Michael E. Dortch
President &  Managing Agent
Corporate Home Office
618 South Broad Street
Lansdale, Pennsylvania  19446
(800) 807-0762  ext. 602

Mississippi Passes Laws To Track Those Without Car Insurance

Mississippi Passes Laws To Track Those Without Car Insurance

Post Date February 22, 2012  –  The State of Mississippi is establishing a Car Insurance database.  This resource will assist the Mississippi government track down those drivers whom refuse to maintain Car Insurance.   According to the  Auto Insurance Research Council, Mississippi drivers are known for driving in the state without car insurance coverage. In… Continue Reading

Military Service Members, Their Families And Their Car Insurance Issues

U.S. Troops and those who are members of the armed services are often deployed on short notice, giving them less time to face their personal and business affairs. Auto insurance, home insurance and other insurance product issues, as a subject, is often affected when someone moves out of the state or spends an extended period away from home. Now… Continue Reading