Will Mississippi Become the Next No-Deductible Auto Glass State?
January 21, 2010

A Mississippi senator has introduced legislation in the state that would make it so that deductibles would no longer apply to windshield damage covered under such comprehensive insurance policies. If passed, the bill, introduced last week, would become effective on July 1 for any policies issued or renewed after that date. It currently is under the review of the Senate's insurance committee.

The text of the bill's deductible provision is as follows:

"The deductible provisions of any policy of motor vehicle insurance, delivered or issued in this state by an authorized insurer, providing comprehensive coverage or combined additional coverage shall not be applicable to damage to the windshield of any motor vehicle covered under such policy."

The bill, S.B. 2395, was introduced by Sen. Robert Jackson (D). Co-sponsors include Sen. David Jordan (D), Sen. Alice Harden (D), Sen. Eric Powell (D), Sen. Bennie Turner (D), Sen. Kenneth Wayne Jones (D), Sen. Sampson Jackson (D), Sen. Willie Simmons (D), Sen. Johnnie Walls (D), Sen. Kelvin Butler (D), Sen. Deborah Jean Dawkins (D), Sen. Bill Stone (D), and Sen. Ezelle Lee (D).

Several other states have enacted such legislation, including the state of South Carolina. Last year, the Alabama legislature considered a similar law but it did not reach fruition.

At press time, Sen. Jackson was not available for comment.

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