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With most minor car accidents, no police report is needed for insurance. Minor dust-ups may not warrant having a police officer respond to the scene. In that case, it's up to you to chronicle the details of the incident.
Auto insurance follows the car, not the person, so long as the person driving is allowed to do so.
Even in a cut-and-dry case where an insured driver is on the policy and at fault, it can be difficult to get the payout you're entitled to. When a driver is not listed on the insurance policy, the insurer may dispute liability (or fault) because the person involved isn't covered.
When a rear-end collision occurs, there's a general presumption that the rear driver is at fault. This presumption is based on Mississippi Code § 63-3-313 which emphasizes the need for a vehicle to not follow another more closely than is reasonable.
If you gave the driver permission to drive, then your car insurance will cover the accident. But if you can prove they weren't given permission to drive or if they're specifically excluded from your policy, then your insurance won't cover them and they'll be liable for the damage they caused.
Car insurance generally follows the car instead of the driver, so the car owner's insurance will cover the crash, even if someone else is driving. On the other hand, if your car is taken without permission or the driver is not licensed, the driver is responsible.
Comparative Negligence in Mississippi Mississippi follows a ?pure comparative negligence? law when determining liability for accidents. Under this rule, accident victims can seek compensation for their injuries and other losses even if they are as much as 99 percent at fault for the accident.
Comparative Negligence Many states, including Florida, follow a comparative liability law for shared-fault car accidents. In comparative liability states, drivers get assigned a certain share, or percentage, of the blame. They can then pursue the other driver or drivers based on their level of fault.