Uninsured Motorists

Uninsured Motorist One in six motorists are uninsured. Mississippi has a higher-than-average proportion of uninsured motorists, with an estimated 30% of drivers in Mississippi uninsured. That means that close to one out of every three drivers on the road in Mississippi is driving without liability insurance to pay for any damage they cause to you, your passengers or your car. To make matters even worse, over half of the drivers who do have the required automobile insurance only have the minimum amount as required by Mississippi law. This means that the most their insurance is obligated to pay to an accident victim is $25,000. This is clearly not enough for serious injury cases that include high medical bills, lost wages and pain and suffering, or death! Unfortunately, this means that insured, law-abiding Mississippi motorists are far more likely to get into an accident with an uninsured motorist than drivers in other parts of the country. If you get into an accident with an uninsured motorist, what will you do?

Jackson Uninsured / Underinsured (UIM) Motorist Auto Accidents

In Mississippi, drivers are required by law to carry auto insurance. Many drivers buy the mandatory coverage auto insurance just to register their cars, and then let their policies lapse due to non-payment. If you get into an auto accident or auto collision with one of these uninsured /underinsured motorists, they have no insurance to pay your medical bills or damages.

This is where uninsured auto accidents and crashes can get complicated. If you carry an uninsured motorist policy (UIM coverage), you can make a claim against your own auto insurance company to get reimbursed for your damages. Most uninsured motorist policies have fairly low limits, and some insurance companies may try to avoid paying on one of these claims. Just because you carry an uninsured motorists policy doesn't mean your own insurance company is going to treat you fairly. Insurance companies are in the business of making money and the more they pay out in claims, the less money they make. Simply put, it's a cruel reality of business.

If you don't have uninsured motorist auto insurance, you'll need to pursue the driver directly for compensation. This may mean suing the driver directly, or examining potential avenues to explore creative options for liability.

Fatalities and serious injuries result from negligent and careless drivers who fail to carry insurance as required by our state, causing even more problems for those they crash into.

Not only do we handle uninsured motorist claims in Jackson, Ridgeland, Madison, Canton, Brandon, and Pearl, but we handle uninsured motorist claims all over Mississippi.

Uninsured motorist claims are never easy to resolve. Our experience in uninsured and underinsured motorist claims has given us skills and insight that help us obtain proper compensation for our clients who have suffered head injuries, spinal cord injuries, or other serious injury. We handle wrongful death claims and lawsuits for people who have lost loved ones in car, truck, motorcycle, and bus accidents caused by negligent or wrongful conduct. If you or a loved one has been injured in a collision with an uninsured motorist, call Kobs & Philley, PLLC for a free consultation. Our experienced litigation attorneys can advise you on how to deal with your own insurance company, or potential avenues for a creative financial recovery even if the other driver doesn't carry auto insurance. Don't let an auto crash with an uninsured motorist stop you in your tracks; let us help.

Take advantage of our NO OBLIGATION, FREE CONSULTATION. Ask us questions. We will provide straight answers and explain what we can do for you and how we can help you during this stressful time. You can contact us online or call us today at 601-856-7800 or 1-877-856-0330 for a FREE CONSULTATION.


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