Key points
Stop at once and help anyone injured; dial 911 to report injuries.
Source: Handbook p. 55
“Stop at once and help anyone who has been injured. Dial 911 to report injuries if necessary.”
Mississippi Driver's Manual, Handbook p. 55Report at once to police if there is injury, death or damage over $500.00.
Source: Handbook p. 55
“Report immediately to the proper law enforcement authorities if the accident involves injury, death, or apparent property damage exceeding $500.00.”
Mississippi Driver's Manual, Handbook p. 55Exchange your name, address, plate number and insurance information.
Source: Handbook p. 55
“Give all other parties involved in the accident your name, address, license plate number, and insurance information.”
Mississippi Driver's Manual, Handbook p. 55If you are too badly hurt to report, any of your passengers may do so.
Source: Handbook p. 55
“If you are injured so badly that you cannot make an immediate report, any one of your passengers may do so.”
Mississippi Driver's Manual, Handbook p. 55If your car becomes disabled, pull over to the extreme right shoulder.
Source: Handbook p. 54
“If your car becomes disabled, pull over to the extreme right shoulder.”
Mississippi Driver's Manual, Handbook p. 54Minimum insurance: $5,000.00 property, $10,000.00 for one person, $20,000.00 for two.
Source: Handbook p. 63
“At a minimum, the insurance policy must have the following limits: at least $5,000.00 for property damage, at least $10,000.00 for any one (1) person injured or killed, and at least $20,000.00 for any two (2) persons injured or killed.”
Mississippi Driver's Manual, Handbook p. 63After a crash with a death, injury or at least $1000.00 in damage, prove within 60 days you can pay.
Source: Handbook p. 63
“If you are involved in an accident that results in death, personal injury, or a minimum of $1000.00 in property damages, you must, within sixty (60) days, furnish proof of your ability to pay for the damages.”
Mississippi Driver's Manual, Handbook p. 63An at fault driver who had no liability insurance must file proof of insurance that stays in effect for 3 years.
Source: Handbook p. 63
“remain in effect for a period of three (3) years from the date of the accident.”
Mississippi Driver's Manual, Handbook p. 63
Numbers to know
| Number | What it means | Manual |
|---|---|---|
| 911 | number to report injuries | Handbook p. 55 |
| $500.00 | damage that requires an immediate police report | Handbook p. 55 |
| $5,000.00 / $10,000.00 / $20,000.00 | minimum property, one person and two person coverage | Handbook p. 63 |
| $1000.00 / 60 days | crash damage and deadline to prove ability to pay | Handbook p. 63 |
| 3 years | how long required proof of insurance must stay in effect | Handbook p. 63 |
3 questions from the Mississippi practice test
1. After a Mississippi crash, which information must involved drivers exchange?
- Name, address, license plate number, and insurance information
- Only a first name and the vehicle's paint color
- The other driver's medical history and employment record
- A promise to repair the vehicle without documenting identities
Show answer
Name, address, license plate number, and insurance information. Drivers involved in a reportable crash should exchange identifying and insurance details: name, address, license plate number, and insurance information. A first name cannot reliably identify a driver, and private medical or employment records are not the requested exchange. A repair promise also leaves both parties without proof of who was involved or what coverage exists. Record the information calmly, and obtain the same details for your own protection.
2. Under Mississippi law, when must the driver in a crash immediately notify law enforcement?
- Only when the crash occurs on an interstate
- Only when every vehicle involved is disabled
- When it causes injury, death, or apparent property damage of $500 or more
- When damage is below $500 and no one is injured
Show answer
When it causes injury, death, or apparent property damage of $500 or more. Section 63-3-411 requires the driver of a vehicle in a crash that causes injury to or death of any person, or total property damage to an apparent extent of $500 or more, to give notice immediately by the quickest means of communication. Inside a city the notice goes to the local police department; outside one it goes to the nearest sheriff's office or highway patrol station. The rule is not limited to interstates or to disabled vehicles, and a crash with no injury and less than $500 in damage does not meet the threshold.
3. A Mississippi driver is too badly hurt in a crash to make an immediate report. Who may report it instead?
- No one; the report must wait for the driver
- Only a lawyer
- Only the other driver's insurer
- Any one of the driver's passengers
Show answer
Any one of the driver's passengers. The manual says that if you are injured too badly to make an immediate report, any one of your passengers may make it. The report cannot simply wait, a lawyer is not required, and the other driver's insurer is not the reporting party. Crashes involving injury, death, or apparent property damage over $500 must be reported right away, and these reports are confidential.
Practice this topic
Lock it in with emergencies questions from the free Mississippi practice test. Every answer comes with a plain English explanation.
Source: the Mississippi Driver's Manual, In Case of an Accident and Proof of Insurance. This lesson is a plain English summary, not the law itself; where it differs, the manual and the statute govern. Last checked 2026-09-27.