MS

Mississippi Insurance Regulations

Consumer rights and insurance laws in Mississippi

Overview

Mississippi Insurance Department regulates the insurance industry and assists consumers with complaints. Mississippi follows a pure comparative fault system, allowing injured parties to recover damages even if they are primarily at fault.

Key Insurance Regulations in Mississippi

Pure comparative fault — recover regardless of fault percentage
3-year statute of limitations for personal injury and property damage
Mandatory auto insurance: 25/50/25 minimum liability

Filing an Insurance Complaint in Mississippi

If you believe your insurance company has acted unfairly or violated Mississippi insurance laws, you can file a complaint with the Mississippi Insurance Department. The department investigates consumer complaints and can take enforcement action against insurers that violate state regulations.

Before filing a complaint, make sure you have documented all communication with your insurance company, including claim numbers, dates, and the names of representatives you've spoken with. The Mississippi Insurance Department typically responds to complaints within 30 days.

Mississippi Insurance Department

Insurance Commissioner: Mike Chaney

Phone: (601) 359-3569

Website: https://www.mid.ms.gov

File a Complaint: Consumer Complaint Portal

Diminished value claims in Mississippi

Yes. If another driver caused the crash, Mississippi lets you recover diminished value as part of your property-damage claim against that driver's insurer. You generally have three years to file suit (Miss. Code § 15-1-49), and because Mississippi uses pure comparative fault, being partly at fault reduces your recovery rather than barring it.

Read the Mississippi diminished value guide

Insurance Claim Guides for Mississippi

Browse our detailed insurance claim guides tailored specifically to Mississippi laws and regulations.

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