That's the big picture in Mississippi. Now, let's look at the details.
A "statute of limitations" is a state law that sets a strict time limit on your right to bring a lawsuit to court.
It's important to note that the statute of limitations does not apply to a car insurance claim. Any insurance company, whether your own or the other driver's, is going to require you to make a claim—or at least give the insurer notice of an incident that could trigger a claim—"promptly" or "within a reasonable time" after the accident. That usually means a matter of days, or a few weeks at most.
Mississippi Code section 15-1-49 contains a sort of "catch-all" statute of limitations that will apply to almost all lawsuits over car accident injuries or damage to a vehicle or other property. This law gives you three years to ask Mississippi's civil court system for a remedy for any kind of injury or harm caused by someone else. So, in the context of a car accident, any lawsuit by any driver, passenger, motorcyclist, bicyclist, electric scooter rider, pedestrian, or property owner harmed as a result of the crash will be subject to this three-year filing deadline, and the "clock" starts running on the date of the accident.
That same deadline also governs a wrongful death claim that might be if anyone was killed as a result of the car accident. The only difference is that for these wrongful death claims, the three-year "clock" starts running on the date of the accident victim's death (as opposed to the accident date).
It's crucial to understand and abide by the statute of limitations as it applies to your situation. That's because if you try to file your lawsuit after the statute of limitations deadline has already passed, the defendant is sure to ask the court to dismiss the case, and the court is very likely to agree that a dismissal is appropriate.
Even if you're confident that your case will be resolved through the car insurance claim process, you'll want to leave yourself plenty of time to file a lawsuit in case you need to—if for no other reason than that you'll have more leverage during settlement talks. If you think you might be running up against the filing deadline, you may want to contact an experienced Mississippi car accident attorney.
Suppose you're seriously injured in a Mississippi car accident, and you take your case to court. The jury, after hearing all the evidence, decides that the other driver was responsible for the accident—but that you too bear part of the blame. What happens next? How does this verdict affect your right to compensation?
Under Mississippi Code section 11-7-15, the state follows a "pure comparative negligence" rule. This means you can still recover damages in a car-accident-related lawsuit, but your award will be reduced according to your share of negligence.
For instance, suppose that the jury determines that your injuries, pain and suffering, and other losses total $10,000. However, the jury also thinks that you were 10 percent responsible for the crash. In that situation, the total amount of your damages, $10,000, is reduced by 10 percent, or $1,000, leaving you with a total award of $9,000.
Even if you're more at fault than the party you're suing, you can still collect damages from the other side.
The comparative negligence rule binds Mississippi judges and juries (if your car accident case winds its way to trial), and it will also guide a car insurance claims adjuster when he or she is evaluating your case. Also keep in mind that since there is no empirical means of allocating fault, any assignment of liability will ultimately come down to your ability to negotiate with a claims adjuster or to persuade a judge or jury.
According to Mississippi Code section 63-3-411, the driver of a vehicle must immediately, and by the "quickest means of communication," report any accident he or she is involved in, if the crash:
The driver must report the accident to the local police department if the accident occurred within an incorporated municipality in Mississippi. If the accident occurred outside of an incorporated municipality, the driver must report the accident to the nearest sheriff's office or Mississippi Highway Patrol station.
In almost every Mississippi car accident scenario, insurance coverage is sure to play a key role, so it's important to understand the state's liability auto insurance requirements and other coverage rules that could affect your car accident claim. Get the details on Mississippi's car insurance rules.