Why is the insurer acting like a Hattiesburg sideswipe is automatically my fault?

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In Alabama, being even a little at fault can wipe out a claim. Mississippi is different: it uses pure comparative fault, so the insurer does not get to kill your claim just because they say you were partly to blame. Here's how that plays out in real life. If it was a blind-spot or lane-change sideswipe on I-59, U.S. 98, or Highway 49: Insurance adjusters love the lazy line that &#34;the driver changing lanes caused it.&#34; That is not automatic in Mississippi. If the other driver drifted, failed to signal, was speeding through tourist traffic, or was running on a heat-damaged tire during summer travel season, fault can be split. If they say you were 30% at fault, you can still recover 70% of your damages. What to do: get the crash report, photos of both vehicles' side damage, dashcam footage, names of witnesses, and the exact lane location. In Mississippi, crashes with injury, death, or apparent property damage of $500 or more should be reported to law enforcement. Around Hattiesburg, that may mean HPD or the Mississippi Highway Patrol. If it was a fleet vehicle: A hospital van, delivery truck, or company SUV does not get special protection. Fleet insurers push hard because they know people assume the business has the upper hand. Save the USDOT number, company name, truck number, and any onboard camera notice. Ask for preservation of video fast. Company drivers also create extra records: dispatch logs, GPS, maintenance records, and phone records. If you were working when it happened, like driving between clinics or home health visits: Do both tracks. Report the injury to your employer quickly; Mississippi workers' comp has a 30-day notice rule, and claims generally must be filed within 2 years with the Mississippi Workers' Compensation Commission. But workers' comp is not your only option if another driver caused the crash. You may also have a separate injury claim against that driver or fleet company. If the insurer keeps repeating &#34;automatic fault,&#34; that usually means they are selling a myth, not stating Mississippi law.