Restricted License Insurance — Mississippi

Covers medical expenses, lost wages, and legal costs when you injure someone in an at-fault accident. A single emergency-room visit for moderate injuries can exceed the per-person limit — consider higher limits if you carry any assets a plaintiff could pursue.

Pays for vehicle and property damage you cause in an at-fault accident. Mississippi law does not require collision or comprehensive coverage — these coverages protect your own vehicle and are required only if you lease or finance.

Covers your medical bills and vehicle damage when hit by a driver with no insurance or insufficient coverage. Mississippi requires carriers to offer this coverage at limits matching your liability policy — you must reject it in writing if you decline, and verbal rejection does not satisfy the statutory requirement.

An SR-22 is not insurance — it's a certificate your carrier files with the Mississippi Department of Public Safety confirming you carry at least state-minimum liability coverage. Required for 3 years after DUI, reckless driving, uninsured-accident convictions, and accumulation of too many traffic violations. Your carrier files the SR-22 electronically within 24–72 hours of policy binding; if your policy lapses or cancels, the carrier notifies DPS immediately and your license is re-suspended until you file a new SR-22 with replacement coverage.

Mississippi requires IID installation as a condition of Restricted License issuance after DUI suspension. The device measures blood alcohol content before allowing the engine to start and logs violations. The Restricted License permits travel to and from work, school, court-ordered programs, and medical appointments — recreational or social trips are prohibited and logged violations can extend your IID requirement or trigger re-suspension.