Free Mississippi Property Casualty Practice Exam Online

Correct answer: A. $25,000

Correct. Miss. Code Ann. § 63-15-3(j) defines proof of financial responsibility as ability to respond in damages of $25,000 because of bodily injury to or death of one person in any one accident.

• B: $30,000 is the current bodily-injury-per-person minimum in some other states (such as Utah after its 2025 increase), not Mississippi's figure.
• C: $50,000 is Mississippi's bodily injury limit for two or more persons injured in one accident, not the per-person figure.
• D: $15,000 understates Mississippi's statutory per-person bodily injury minimum.

Correct answer: B. $50,000 in bodily injury coverage for two or more persons injured in one accident

Correct. Under Miss. Code Ann. § 63-15-3(j), subject to the $25,000 per-person limit, the policy must provide $50,000 because of bodily injury to or death of two or more persons in any one accident.

• A: Property damage liability is the final '25' in the 25/50/25 summary, not the middle figure of $50,000.
• C: The $50,000 figure is not a flat aggregate cap; it applies specifically to claims involving two or more injured persons, subject to the $25,000 per-person sublimit.
• D: Mississippi's minimum liability statute does not require PIP coverage; the 25/50/25 figures describe liability limits, not no-fault medical benefits.

Correct answer: C. $25,000 per accident

Correct. Miss. Code Ann. § 63-15-3(j) requires $25,000 because of injury to or destruction of property of others in any one accident.

• A: $10,000 was a common minimum property damage figure in some other states years ago, but it understates Mississippi's current statutory minimum.
• B: $50,000 is Mississippi's bodily injury limit for two or more persons, not the property damage figure.
• D: $20,000 does not match the statutory property damage minimum set by Miss. Code Ann. § 63-15-3(j).

Correct answer: D. A $100 fine and suspension of driving privileges for one year or until proof of the required liability coverage is shown

Correct. Miss. Code Ann. § 63-15-4 makes failure to have or display the required insurance card a misdemeanor punishable by a $100 fine and suspension of driving privileges for one year or until the owner shows proof of liability insurance meeting the § 63-15-3(j) limits.

• A: The statute provides for a one-year suspension subject to reinstatement upon proof of coverage, not a permanent, non-reinstatable revocation.
• B: The penalty is not civil-only; § 63-15-4 makes the failure to display proof of insurance a misdemeanor with both a fine and a driving-privilege suspension.
• C: This is a traffic and financial-responsibility violation handled through the courts and driver's license suspension, not a producer-licensing matter for the Mississippi Insurance Department.

Correct answer: A. Not less than three years

Correct. Under Miss. Code Ann. § 63-15-61, a person required to furnish proof of financial responsibility, such as after an implied-consent suspension or an at-fault accident without insurance, must maintain that proof for not less than three years.

• B: One year understates the required SR-22 maintenance period under Mississippi's financial responsibility law.
• C: Six months is far shorter than the statutory minimum maintenance period Mississippi requires.
• D: The statute sets a defined minimum maintenance period, generally three years, rather than an open-ended, indefinite requirement.