Broad form auto focuses on the driver, not a single vehicle. Mississippi drivers use it when they share cars, drive different cars, or want a simple liability setup that travels with them. We help across Jackson, Gulfport, Hattiesburg, Biloxi, Southaven, and Olive Branch.
It is not for every situation. If you need physical damage on your own car, full coverage on a standard policy fits better. If you do not own a vehicle, non-owner can be a match. See quick comparisons below.
Liability coverage that follows you while driving many personal vehicles you own or use, subject to policy terms.
Often excludes delivery, rideshare, business use, and certain vehicle types or weights.
Does not include comprehensive or collision on a specific VIN.
Pairs with SR-22 when required by the state.
Useful during car changes, shared vehicles, or multi-vehicle access.
Want the short version… broad form is driver-centric liability. Full coverage protects your own car. Non-owner is for people who do not own a car.
Comparison Cards
Broad Form
Liability follows the driver. Simple proof, flexible daily driving. Good if you use more than one car.
Driver-centricBudget friendlySR-22 friendly
Standard Liability
Tied to a specific vehicle you own. Add other drivers as needed. Best for one primary car.
VIN specificCustomizableWidely available
Non-Owner
Liability for drivers who do not own a vehicle. Often used for license reinstatement or occasional borrowing.
No vehicle ownedSR-22 compatibleLow monthly
Full Coverage
Liability plus comp and collision on your own car. Best when you want damage protection on your vehicle.
Protects your carLender friendlyHighest protection
Which Fits
Drive multiple cars you do not own… Broad Form.
Own a car and want simple liability… Standard Liability.
No car and need proof or SR-22… Non-Owner.
Need to cover your car from damage… Full Coverage.
SR-22 With Broad Form
Broad form can carry an SR-22 filing when Mississippi requires proof of financial responsibility. The insurer sends the filing to the state and monitors it. If coverage lapses, the state is notified.
What is broad form insurance in Mississippi Liability that follows you as the driver. Simple proof that is not tied to one VIN.
Does broad form include full coverage No. It usually does not include comprehensive or collision on your car.
Can I file SR-22 with broad form Yes. We can add the filing when required… call us or try the quote helper.
Is broad form the same as non-owner Different. Non-owner is for drivers who do not own a car. Broad form can apply even if you own one, with eligibility rules.
Does it cover me in any car Many personal vehicles you own or use are included, with exclusions for business use and certain vehicle types.
Will lenders accept it for financed cars Usually no. Lenders want full coverage on a specific VIN… talk to an agent.
Can others in my home be covered Often driver-specific. Standard policies list household drivers and may be better if others drive often.
Does it include roadside or rental Varies by carrier. Some extras can be added, others are not offered on broad form.
Can I switch to full coverage later Yes. We can rewrite to a standard policy tied to your VIN… start by text.
SR-22 and Proof
How does SR-22 work Your insurer files proof with the state. If coverage lapses, the state is notified.
How long do SR-22 requirements last Often one to three years, based on your notice from the court or DMV.
Can I move from non-owner SR-22 to broad form Often yes when eligible. We guide timing and filings… call for help.
Does SR-22 raise the price The filing fee is small. Rates mostly reflect your record and risk.
Can I get same-day proof Often yes during business hours.
What documents do I need License number, address, prior policy info, any state notices… learn more.
Coverage Details
Are motorcycles covered Usually excluded unless a motorcycle endorsement is offered. Ask us to check availability.
Does it cover rentals Liability may follow you. Damage to the rental is separate, consider the rental company collision damage waiver.
Delivery or rideshare allowed Often excluded. We can look at alternatives that handle this use… compare options.
Out of state driving Most policies include coverage while traveling. Limits may adjust to meet another state minimum where required.
Umbrella policy available Sometimes, if underlying limits meet carrier rules.
Is it named driver only Often yes. If others will drive frequently, standard liability is safer… ask an agent.
Payments and Changes
Payment options Monthly, EFT, or pay in full. Auto pay can unlock discounts.
Can I pause my policy Not advised if you have SR-22 or need continuous proof.
How do I switch to full coverage when I buy a car Call us before you drive off… we will place a standard policy first… start by text.
Do I need electronic ID cards Yes, keep digital or printed cards handy. Mississippi accepts electronic proof in most situations.
Can I add drivers Broad form is often driver-specific. If others drive often, a standard policy that lists them is better.
How fast can coverage start Often same day during business hours… call now.
