Auto Insurance Rate Tupelo Mississippi MS

Reader’s Question:

How long will a speeding ticket remain on my driver’s record in Tupelo, Mississippi? Is there a defensive driver course that may be able to help to remove it from my record?

Everett

Tupelo, MS

The Department of Public Safety (DPS) in Mississippi keeps records of all traffic abstracts received for a period of 3 years at its main office.

You will need to verify with the court, if you have not yet paid your traffic ticket, or the Department of Public Safety, if you have paid the traffic ticket, to check if you qualify for the approved traffic safety violator course or Defensive Driving course (DDC) so that the speeding ticket is not put or does not stay on your driving record in Tupelo, MS.

For auto insurance purposes you may be able to take the Defensive Driving Course and then bring your completed certificate to your insurance broker. This may help lower your insurance rates up to 10%. Likely you cannot take one traffic school class for both insurance discount purposes and removing the ticket but verify with the MS DPS to be sure.

 

Tags: car insurance rate

Car Insurance Jackson Mississippi MS

Reader’s Question:

If I’m traveling with my pet in the car, and we get into an accident, are we covered in Jackson, Mississippi?

Chris

Jackson, MS

Pet lovers in Jackson, Mississippi may ask, is it covered by my car insurance if I get into an accident while my pet is with me? The answer may depend on the cause of the accident. Riding in cars can be a little unsafe for pets (as well as distracting to the driver), especially because they ride without the benefit of seat belts. If someone crashes into you and causes injuries to you and your pet, you’re entitled to make a “third-party claim” on their policy for your pet’s medical bills. The other party’s liability insurance must put you “back where you were” before the accident.

On the other hand, if you are at-fault in an accident in which your pet is injured, you may want to check your auto policy for exclusions. Let’s say you crash into another car or a fence. Your collision insurance pays for the repairs to your own vehicle. You may have an exclusion under your collision insurance for damage to personal property that you’re transporting, whether it’s your antique vase or your pet. You won’t have a valid claim if your policy has such exclusion. In this case, if you don’t carry collision coverage at all, you must pay for all damage from the accident, including your car and pet.

 

Tags: auto insurance

Car Insurance Gulfport Mississippi MS

Reader’s Question:

What are the laws for car insurance in Gulfport, Mississippi?

Ben

Gulfport, MS

The car insurance laws for Gulfport, Mississippi are the same as for the rest of the state. Mississippi motorist are required to maintain liability insurance. The minimum financial responsibility requirements for car insurance are $25,000 per person per accident, $50,000 per accident for bodily injury, and $25,000 per accident for property damage (25/50/25).

Beginning January 1, 2006, Mississippi law requires that all motorists maintain liability insurance and carry a card in their cars at all times showing that you have liability insurance. If you are found to be without auto insurance, you can be fined $1000 and have your license suspended for 1 year or until the car owner shows that the vehicle has insurance on it.

 

Tags: auto insurance, automobile, driving without insurance