Mississippi Insurance Forms - Mississippi Insurance Commission

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Insurance Forms FAQ

What is insurance?

Insurance is a contract, called an insurance policy, in which the insurer, agrees to pay the insured party all or a portion of any loss suffered by accident or death for a fee called an insurance premium. The losses covered by the policy may include property damage or loss from accident, fire, theft or intentional harm; medical costs and/or lost earnings due to physical injury; long-term or permanent loss of physical capacity; claims by others due to the insured's alleged negligence, or the loss of someone's life.

What laws govern insurers?

In 1944, Congress enacted the McCarran-Ferguson Act, which provided that the laws of the several states should control the insurance business, but that the Sherman Act, the Clayton Act, and the Federal Trade Commission Act were applicable to the insurance business to the extent that it was unregulated by state law.

The McCarran-Ferguson Act, broadly speaking, gives states the power to regulate the insurance industry. While state insurance statutes override most federal laws, some portions of federal law (like federal tax laws) are always controlling. To determine whether a particular law governs, the determining factor is whether the issue is related to the "business of insurance", where state law governs, or whether it is related to peripherals of the industry, such as labor, tax, and securities, where federal law governs.

What can be done is an insurer wrongfully denies a claim?

Insurers may be guilty of bad faith for failing to promptly and thoroughly investigate a claim, unreasonably delaying payment, unreasonably denying benefits to a claim, using unreasonable interpretations in translating policy language, or refusing to settle the case or reimburse you for the entirety of your loss, etc. Unless a time period for settling a claim is defined in the policy, a "reasonable time" generally applies, which is a subjective term, depending on the facts and circumstances in each case.


Bill of Sale – By Type (5)

A Bill of Sale is a legal document that records the transfer of ownership of an item from one person or entity to another. In Mississippi, there are five different types of Bills of Sale, each serving a specific purpose. The first type is a general Bill of Sale, which is used for the sale of personal property, such as furniture or electronics. The second type is a motor vehicle Bill of Sale, which is necessary when selling or buying a car, truck, or other vehicles. The third type is a boat Bill of Sale, required for transferring ownership of a watercraft. The fourth type is a firearm Bill of Sale, which documents the sale or transfer of firearms. Lastly, the fifth type is a livestock Bill of Sale, used in the sale or purchase of animals like horses or cattle. It's important to use the correct type of Bill of Sale in Mississippi to ensure a smooth and legal transaction.


Vehicle Registration Forms

In Mississippi, vehicle registration forms are important documents that need to be filled out and submitted to the appropriate authorities. These forms contain information about the vehicle, such as its make, model, year, and VIN number. They are used to register the vehicle with the state, ensuring that it is legally recognized and can be operated on the road. Vehicle registration forms in Mississippi are relatively straightforward and require basic information about the owner of the vehicle as well. Once the form is completed, it can be submitted either online or in person at a local Mississippi Department of Revenue office. It's crucial to ensure that the information provided on the form is accurate to avoid any issues or delays in the registration process.


Boat Registration Forms

Boat registration forms are documents you need to fill out in Mississippi if you own a boat. These forms are necessary to legally operate your boat on the state's waters. They are used to register your boat with the Mississippi Department of Wildlife, Fisheries, and Parks, which helps ensure safety and conservation of the waterways. By completing these forms, you provide important information about your boat, such as its make, model, and length. Registration forms in Mississippi are straightforward and easy to understand, helping boat owners comply with the state's regulations and enjoy their time on the water legally.