Crash without proof of insurance — Mississippi Permit Test

If you have an accident and cannot provide proof of insurance, your driving privilege may be suspended.

A crash with no proof of cover puts your license at risk, not just your wallet.

Your driving privilege may be suspended.

To avoid suspension after a crash without proof, you can show you had an adequate insurance policy in effect at the time of the accident.

Insured drivers who simply lacked the card can save their license by showing the policy was active.

Show that you had an adequate insurance policy in effect at the time of the accident; or

To avoid suspension after a crash without proof, you can show a certificate of deposit or securities worth $15,000.

Money set aside can stand in for insurance, but only if it is enough to pay for real damage.

Show that you have either a certificate of deposit or securities valuing $15,000.00; or

A Certificate of Self-Insurance can avoid suspension, but a self-insurer must own a fleet of more than 25 vehicles.

Only large fleet owners have the means to pay crash claims from their own pocket.

(A self-insurer must own a fleet of more than 25 vehicles.)

After a crash without proof, you can avoid suspension by depositing cash, a negotiable security or a corporate surety bond in an amount the department judges enough to pay all damages.

A deposit the state holds makes sure the other side is paid even if you have no policy.

Deposit cash, or a negotiable security, or a corporate surety bond in an amount judged sufficient by the department to pay all damages; or

You can also avoid suspension by presenting a release of liability, a final ruling that you are not liable, or proof the other party paid your damages.

When the other side has signed off or a court cleared you, there is no unpaid claim left to secure.

Present a release of liability, a final adjudication of non-liability for damages, or show payment of your damages by the other party.

If you were the at-fault driver in an injury or damage crash and had no liability insurance, you must buy liability insurance and file proof of it.

A driver who caused harm while uninsured has shown the risk, so the state makes them prove cover.

then you are required to purchase liability insurance and to file proof of insurance.

The proof filed after an uninsured at-fault crash must come from a liability insurance company licensed in Mississippi.

A policy from a company the state does not license may not pay, which defeats the point.

be provided by a liability insurance company licensed in Mississippi and

The proof of insurance filed after an uninsured at-fault crash must remain in effect for three years from the date of the accident.

Letting the policy drop right after filing would leave the risk in place, so it must last.

remain in effect for a period of three years from the date of the accident.

What may happen to your driving privilege if you crash and cannot provide proof of insurance?

It may be suspended. A crash with no proof of cover puts your license at risk, not just your wallet. Mississippi Driver's License Manual, p.76: “Your driving privilege may be suspended.”