Mississippi Code

Miss. Code Ann. § 83-11-111 (2026)

Excess insurance coverage

✓ current as of July 2026
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Any policy which grants the coverage required for motor vehicle liability insurance may also grant any lawful coverage in excess of, or in addition to, the coverage specified for a motor vehicle liability policy, and the excess or additional coverage shall not be subject to the provisions of this article, except as otherwise provided in this article. With respect to a policy which grants this excess or additional coverage, the term "motor vehicle liability policy" as used herein shall apply only to that part of the coverage which is required by this article.

Any binder issued pending the issuance of a motor vehicle liability policy shall be considered as fulfilling the requirements for such policy.

Codes, 1942, § 8285-56; Laws, 1966, ch. 524, § 6; Laws, 1979, ch. 429, § 3, eff. 1/1/1980.


Notes of Decisions
Cited in 9 cases (1 in the last 5 years), 1974–2021 · leading case: Meyers v. Am. States Ins. Co., 914 So. 2d 669 (Miss. 2005).
Meyers v. Am. States Ins. Co., 914 So. 2d 669 (Miss. 2005). · cites it 2× “Under Miss.Code Ann. § 83-11-111 (Rev.2002), excess liability policies are exempt from the provisions of the uninsured motorist act; furthermore, May and Co.”
Nationwide Mut. Ins. Co. v. Garriga, 636 So. 2d 658 (Miss. 1994). “524, § 6, now codified as Miss. Code Ann. § 83-11-111 (Supp. 1993).”
Employers Mut. Cas. Co. v. Tompkins, 490 So. 2d 897 (Miss. 1986). “" Miss. Code Ann. § 83-11-111 (1972). The coverage Insured contends for in this case is excess or additional to that required by the statute and by the express terms of the statute is not subject to its provisions.”
Talbot v. State Farm Mut. Auto. Ins. Co., 291 So. 2d 699 (Miss. 1974). “" Miss. Code Ann. § 83-11-111 (1972). The coverage Insured contends for in this case is excess or additional to that required by the statute and by the express terms of the statute is not subject to its provisions.”
State Farm Mut. Auto. Ins. Co. v. Talley, 329 So. 2d 52 (Miss. 1976). “" Miss. Code Ann. § 83-11-111 (1972). The coverage Insured contends for in this case is excess or additional to that required by the statute and by the express terms of the statute is not subject to its provisions.”
Land v. United States Fid. & Guar. Co., 861 F. Supp. 544 (S.D. Miss. 1994). “524, § 6, now codified as Miss.Code Ann. § 83-11-111 (Supp.1993). 6 Id.”
Chancellor v. Aetna Cas. & Sur. Co., 843 F. Supp. 175 (S.D. Miss. 1993). · cites it 6× “Miss.Code Ann. § 83-11-111 (1972) provides as follows: Any policy which grants the coverage required for motor vehicle liability insurance may also grant any lawful coverage in excess of, or in addition to, the coverage specified for a motor vehicle liability policy, and the…”
Daniel Meyers v. Am. States Ins. Co. (Miss. 2003). · cites it 2× “Under Miss. Code Ann. § 83-11-111 (Rev. 2002), excess liability policies are exempt from the provisions of the uninsured motorist act; furthermore, May and Co.”
Shelby Brewer, by & through her Parents & Next Friends Doris Brewer & Jason Brewer; Jason Brewer, Individually; & Doris Brewer, Individually v. Mississippi Farm Bureau Cas. Ins. Co. (Miss. Ct. App. 2021). “Miss. Code Ann. § 83-11-111 (Rev. 2011) (“Any policy which grants the coverage required for motor vehicle liability insurance may also grant any lawful coverage in excess of, or in addition to, the coverage specified for a motor vehicle liability policy.”
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