Auto Insurance

Mississippi Auto Insurance and Knowing What You Need

Accidents can happen in just a blink of an eye. If you plan on cruising down Mississippi’s highways any time soon, you’ll need auto insurance coverage you can count on in the event of an accident. Fortunately, OFS Insurance Agency, LLC offers plenty of auto insurance options for Clinton, MS drivers, and those around the state.

Reasons You Need Auto InsuranceM

There are plenty of reasons for auto insurance to come in handy when you’re on the road:

• The right coverage can help you repair or replace your vehicle after an accident.
• Your coverage can also take care of medical expenses and other financial burdens.
• Mississippi requires all drivers to carry at least minimum liability auto insurance coverage.

The state’s minimum liability requirements include $25,000 of bodily injury coverage per person per accident, $50,000 of coverage for all persons per accident and $25,000 of property damage liability.

Understanding Your Coverage Options

Liability insurance isn’t the only coverage option at your disposal. You can add other types of coverage to your existing insurance policy. Each of the following coverage options provides an extra layer of protection under different scenarios:

• Collision coverage can help you repair or even replace your vehicle in the event of a collision with another driver, regardless of fault.
• Comprehensive coverage protects your vehicle if it’s vandalized, damaged by severe weather or if you collide with an animal.
• Personal injury protection covers certain medical expenses arising from your auto accident, no matter who's found at fault.
• Uninsured/underinsured motorist coverage gives you protection if the other driver involved in your accident lacks the proper insurance.

It’s up to you to decide which coverage options are right for you. The agents at OFS Insurance Agency, LLC can help steer you in the right direction. Contact us for your auto insurance needs in the Clinton, MS area.