When is an insurance company liable for an accident?

In the state of Mississippi, an insurance company is liable for an accident when their insured driver is found to be at fault. This means that if the insurer’s driver is deemed to have caused the accident, the insurance company must pay the costs of the accident, up to the limits of the policy. Generally, the insurance company must pay for medical costs, property damage, and in some cases pain and suffering and other non-economic damages. In order to determine if the insurance company is liable for an accident, evidence must be gathered and examined to determine how the accident occurred. If the evidence shows that the insurer’s driver was at fault, the insurance company is liable for the costs associated with the accident. However, if the evidence shows that the accident was caused by something other than the driver’s negligence, then the insurer will not be liable for the damages. Ultimately, the insurer’s liability depends on the evidence available and whether their driver can be found to be at fault for the accident. In Mississippi, the court will assess the available evidence and ultimately decide whether the insurer is liable for the damages of the accident.

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