Free Mississippi Personal Lines Practice Exam Online

Correct answer: A. $25,000

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

• B: $50,000 is Mississippi's bodily injury limit for two or more persons injured in one accident, not the per-person figure.
• C: $30,000 is a bodily-injury-per-person minimum used in some other states, such as Utah's post-2025 figure, not Mississippi's.
• D: $100,000 substantially overstates 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. Subject to the $25,000 per-person limit, Miss. Code Ann. § 63-15-3(j) requires $50,000 because of bodily injury to or death of two or more persons in any one accident.

• A: The final '25' in the summary is property damage liability, not the middle $50,000 figure.
• C: Mississippi's minimum is expressed as three separate split limits, not a single combined limit.
• D: The $50,000 figure describes a liability sublimit for multiple injured persons, not a separately stacked uninsured motorist amount.

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 understates Mississippi's current statutory property damage minimum.
• B: $50,000 is Mississippi's bodily injury limit for two or more injured persons, not the property damage figure.
• D: $15,000 does not match the statutory property damage minimum set by § 63-15-3(j).

Correct answer: D. A $100 fine and suspension of driving privileges for one year or until proof of the required 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 statutory fine is $100, not $500, and the penalty also includes a driving-privilege suspension, not a fine-only consequence.
• B: Out-of-state registration does not exempt a vehicle operated in Mississippi from the state's insurance-card display requirement.
• C: The statute's penalty structure is a fine plus a driving-privilege suspension; it does not provide for automatic vehicle impoundment.

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, must maintain that proof for not less than three years.

• B: 90 days is far shorter than the statutory minimum maintenance period Mississippi requires for an SR-22 filing.
• C: One year understates the three-year minimum maintenance period the statute sets.
• D: Five years overstates the statutory minimum, which is not less than three years, not a fixed five-year requirement with no exceptions.