If you are planning on driving your motorcycle in Mississippi without insurance, the first thing to know is that it is against the law. Therefore, it is obviously inadvisable to get on your motorcycle and ride it if you don't have any insurance. The laws in the state of Mississippi are in place to help ensure safety and responsibility on our roads.
With that said, all two-wheeled vehicles, including mopeds, must follow Mississippi’s motorcycle laws. This includes obtaining a special endorsement on your license to drive the bike, as well as a helmet requirement. While some riders prefer to ride without helmets, and in some states that is permitted, a helmet is the single most effective piece of protection a motorcyclist has against serious injury. Wearing a helmet while riding on a motorcycle can save your life, plain and simple.
Time and time again, when a helmet is used, the risk of death or substantial head injuries is significantly reduced. In fact, the National Safety Council estimates that over 25,000 motorcycle riders’ lives have been saved since 2002.
What Are Mississippi’s Motorcycle Insurance Requirements?
All motorcyclists must have insurance coverage to be lawful drivers. The state has a minimum amount of insurance coverage that riders must carry including:
- For single accidents, a motorcyclist must have at least $25,000 of coverage.
- For bodily injury, after an accident, a motorcyclist must have $50,000 of coverage.
- For property damages after an accident, a motorcyclist must have $25,000 of coverage for property damages.
Considering the often devastating and deadly results of motorcycle accidents, it is often advisable to purchase coverage that is more than the minimum requirements.
In 2019, the Insurance Information Institute reports that there were 5,014 deaths from motorcycle accidents across the nation. The fatality rate for registered motorcycles that year was 58.33. The number of registered motorcycles continues to rise and the demographic that motorcycles appeal to has also expanded.
Also, it is worthwhile considering purchasing uninsured motorist insurance. The reality is that drivers who do not have insurance exist, even though they are required to be covered. Uninsured motorist coverage can be a lifesaver should an uninsured motorist hit you and the collision result in substantial and catastrophic injuries.
While it is possible to sue an uninsured driver, the issue is that a person who doesn’t buy insurance is highly likely not to have the assets necessary to cover the costs of your damages. Without uninsured motorist coverage, the financial burden may be placed on the victim. This can lead to financial devastation.
In 2019, the III showed that the state of Mississippi had the highest level of uninsured drivers. Moreso than any other state in the nation. Mississippi had almost 30% of drivers without insurance versus the rest of the country that had as a whole 12.6% of drivers that carried no insurance.
Speak to a Jackson Motorcycle Accident Attorney Today
If you were injured in a motorcycle accident in Jackson, call the Jackson personal injury attorney at Germany Law Firm, PLLC to have your case examined during a free consultation.
Call Germany Law Firm, PLLC today at (601) 487-0555.