Why You Need Collision and Comprehensive Car Insurance in Jackson, MS

Car Insurance, Jackson, MSBy law, all drivers must show proof of bodily injury and property damage to make a claim. The state of Mississippi doesn’t require collision or comprehensive car insurance. So, why do you need it? Collision and comprehensive coverage give you peace of mind that you’re covered for most events that could take place when you’re behind the wheel of the car and some that happen when you’re not even driving.

Talk to your Hawsey Insurance agent about the importance of collision and comprehensive car insurance in Jackson, MS. In the meantime, here’s some information about these coverage types and why they are so crucial.

Collision and Comprehensive Car Insurance

According to the Insurance Information Institute, this is what collision and comprehensive insurance cover.

  • Comprehensive Coverage: This coverage may help pay for damages caused by vandalism, natural calamities, and robbery, as follows:
    • Contact with animals (hitting a deer or dog, for example)
    • Natural disasters such as floods, tornadoes, and hurricanes
    • Fire
    • Riots and vandalism
    • Theft of car or car parts
    • Fallen trees, ice, or projectiles
    • Broken windshield
  • Collision Insurance: The type of coverage required by the state protects other people and their vehicles and other property. Collision insurance protects your own vehicle if you should hit an object such as a telephone pole, fence, or guard rail.
    • What collision insurance covers:
      • Crash with another car
      • Crash involving a fence, tree, or other object
      • An accident involving a rollover
    • What collision insurance doesn’t cover:
      • Damage to your car unrelated to driving (hail damage, for example)
      • Damages to someone else’s car
      • Medical bills


Now that you know what comprehensive and collision insurance covers and doesn’t cover, you can drive your car with confidence. These coverage additions are almost essential if you have a newer car or one that you are still making payments on.

Car insurance protects you from the potentially devastating consequences of a catastrophic accident claim. You can buy adequate car insurance in Jackson, MS, from a business that offers industry-leading insurance products and has a solid reputation for managing claims. Get a free quote today.

Call Hawsey Insurance at (601) 856-7707 for more information on car insurance in Jackson, MS. Feel free to contact us online or stop by any of our offices, including those in Southaven and Madison, MS.