Mississippi · Snapshot Mississippi Code Release 78 (2020-07), retrieved 2026-09-17

Miss. Code Ann. § 83-54-3: Application and construction of chapter.

(1) This chapter applies to an insurer or producer transacting creditor-placed insurance as defined in this chapter.
(2) All creditor-placed insurance written in connection with credit transactions for personal, family or household purposes is subject to the provisions of this chapter, except:
(a) Transactions involving extensions of credit primarily for business or commercial purposes;
(b) Insurance on collateralized real property; provided, however, that creditor-placed insurance written for mobile homes or manufactured housing shall be subject to the provisions of this chapter;
(c) Insurance offered by the creditor and elected by the debtor at the debtor’s option;
(d) Insurance for which no specific charge is made to the debtor or the debtor’s account; or
(e) Blanket insurance, whether paid for by the debtor or the creditor.
(3) Nothing in this chapter shall be construed to create or imply a private cause of action for violation of this chapter, and the commissioner shall have authority to bring administrative or judicial proceedings to enforce this chapter.

Where this section sits in the code

Title 83. Insurance
Chapter 54. Mississippi Creditor-Placed Insurance Act

(1) This chapter applies to an insurer or producer transacting creditor-placed insurance as defined in this chapter.

(2) All creditor-placed insurance written in connection with credit transactions for personal, family or household purposes is subject to the provisions of this chapter, except:

(a) Transactions involving extensions of credit primarily for business or commercial purposes;

(b) Insurance on collateralized real property; provided, however, that creditor-placed insurance written for mobile homes or manufactured housing shall be subject to the provisions of this chapter;

(d) Insurance for which no specific charge is made to the debtor or the debtor’s account; or

(e) Blanket insurance, whether paid for by the debtor or the creditor.

(3) Nothing in this chapter shall be construed to create or imply a private cause of action for violation of this chapter, and the commissioner shall have authority to bring administrative or judicial proceedings to enforce this chapter.

Collected 2026-10-27T05:54:33Z. Source file · JSON

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