Frequently Asked Questions

Below are some initial questions many clients have when they first contact Jay Foster Law. The questions below may address many initial concerns you may have. If you don't find the answers here, you should contact us for answers to questions specific to your case. The consultation is free.

MS Car Accidents or Wrecks

• Q: Why Should You Buy Uninsured Motorist Insurance?
  
  by Jay Foster, Mississippi Car Accident Attorney
  
  
  

   

  
  
  
  
  A:
  The reason you should buy uninsured or underinsured motorist coverage in Mississippi is simple - most Mississippians are not insured at all.  Let me say that again: most Mississippians do not have car insurance.  What this means if you get in a car wreck with a driver in Mississippi who does not have insurance, you will be unable to collect any money to pay your medical bills.
  
  For example, I have had several cases where the driver who caused the wreck in Mississippi had no insurance.  In a few cases, my clients did not have uninsured or underinsured motorist coverage.  As a result, there was no way to collect any money to pay the medical bills my clients incurred due to their injuries and there was no money to reimburse them for the lost wages due to the car wreck.
  
  Could we have sued the driver who caused the wreck?  Sure.  The problem is actually getting some money from the driver who caused the wreck.  My experience is if the person had any money they would have liability insurance in the first place.  We all know the saying - you cannot get blood out of a turnip.  The same is true here.
  
  What bothers me about this is many insurance companies never send their customers their declarations page.  This is what states specifically what type of coverage you have.  If you do not have this document, call your insurance agent and get them to fax it to you immediately.  Please read it carefully to see if you have uninsured or underinsured motorist coverage.  If you do not have it, get it immediately.  If you do not understand it, call or email me and I will explain it.  There is no charge for this.
  
  
  

  If you are in a car wreck or car accident in Mississippi, whether it is in Jackson, Biloxi, Hattiesburg, or Gulfport or some other part of Mississippi, it is vital to have Uninsured Motorist Insurance (UM Insurance).  The reason Mississippi car or truck drivers should have this insurance is due to the fact that some reports show that almost a third of Mississippi drivers have no insurance.
  
  If you get hit by a person driving a car who has no insurance and you suffer a serious, disabling injury, how will you pay for the medical bills?  This is where your uninsured motorist insurance can help.  Please watch out for companies that claim to give the same policy but are not giving you this valuable part of an insurance policy.  Yes, it might cost you a dollar or two more per month but if you have a serious injury, how are you going to pay your bills if you do not have it?  It is not worth the gamble.
  
  If you have questions about this or any other car wreck, please call or email Mississippi Car Wreck Attorney Jay Foster right now by clicking here.