What is a car accident claim worth in Mississippi?
Every rule below is quoted from Mississippi law or a state agency, with a link. Checked September 17, 2026.
The short answer
Nobody can price your claim from a web page, and any site that gives you one number is guessing. What we can show you is real: the amount insurers actually paid per claim in Mississippi, and the Mississippi rules that raise or lower what you collect. $18,658 was the average injury claim paid in Mississippi in 2022.
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Averages come from NAIC 2022/2023 Auto Insurance Database Report. State rules are quoted from Mississippi law on this site, each with a link.
What claims paid in Mississippi
Injury claims in Mississippi averaged $18,658 each in 2022.
Car and property damage claims averaged $6,604.
| Injury claim paid by the at fault driver's insurance | $18,658 |
|---|---|
| Car and property damage | $6,604 |
| Medical payments coverage, paid by your own policy | $3,314 |
| Collision coverage, paid by your own policy | $6,599 |
These are averages of every claim insurers closed, from the largest to the smallest. A claim with a hospital stay sits far above the average, and a fender bender sits far below it.
What changes the number in Mississippi
If you were partly at fault
Mississippi uses pure comparative negligence. You can still recover money even if you were mostly at fault for the crash; your payout is just reduced by your own percentage of fault, no matter how high it is.
“the fact that the person injured...may have been guilty of contributory negligence shall not bar a recovery, but damages shall be diminished by the jury in proportion to the amount of negligence attributable to the person injured”
The other driver's policy limit is the ceiling
Mississippi drivers must carry liability insurance of at least twenty five thousand dollars per person and fifty thousand dollars per accident for injuries you cause, and twenty five thousand dollars for property damage.
“the minimum liability requirements increased to the following: $25,000 per person (limited to a single accident), $50,000 per accident for bodily injury, and $25,000 per accident”
If the other driver has no insurance
Mississippi does not automatically include uninsured or underinsured motorist coverage in your policy. It is protection you can choose to purchase from your own insurer in case another driver has no insurance or not enough.
“if you purchase Uninsured/Underinsured Motorists (UM/UIM) protection, you can make a claim for your injuries or damages through your own insurance company”
The deadline that ends the claim
You have 3 years from the crash to sue for your injuries in Mississippi.
“All actions for which no other period of limitation is prescribed shall be commenced within three (3) years next after the cause of such action accrued, and not after.”
What a lawyer takes if you hire one
Mississippi has no statute capping personal injury contingency fees. A lawyer may charge a contingent fee as long as it is in a written agreement that states how the fee will be calculated.
“A fee may be contingent on the outcome of the matter for which the service is rendered, except in a matter in which a contingent fee is prohibited by paragraph”
Sources on this page
Each one was opened and checked on September 17, 2026.
Know My Claim is not a law firm or a government agency, and this page is not legal advice. Laws change, so check the linked source before you rely on a deadline.