{"id":32526,"date":"2023-01-10T07:44:06","date_gmt":"2023-01-10T12:44:06","guid":{"rendered":"https:\/\/www.propertyinsurancecoveragelaw.com\/?p=32526"},"modified":"2023-11-15T19:32:34","modified_gmt":"2023-11-16T00:32:34","slug":"late-notice-in-mississippi","status":"publish","type":"post","link":"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/late-notice-in-mississippi\/","title":{"rendered":"Late Notice in Mississippi"},"content":{"rendered":"\n<p>Insurance companies always seem to be at the ready with quite a few defenses up their sleeves, including \u2013 <em>the technical defense of late notice<\/em>. The traditional notice rule did not require the insurance company to show there was prejudice, it was simply enough for them to show the notice was untimely. Thankfully, many states now require the insurance company to show that the late notice was actually prejudicial to the investigation of the claim.<\/p>\n\n\n\n<!--more-->\n\n\n\n<p>Different states have different stances on this, and Mississippi is one of the states that requires prejudice.<\/p>\n\n\n\n<p>The Mississippi Supreme Court has held that, <\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n[W]here an insurance policy requires notice as a condition precedent to coverage, coverage may still be allowed unless the insurer suffered prejudice due to delay; that prejudice is a question of fact.<sup>1<\/sup> <\/p>\n<\/blockquote>\n\n\n\n<p>The court further elaborated: <\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>As we have pointed out, the concept of prejudice will determine whether a breach of the notice obligation will cause coverage to be lost. That prejudice may prevent coverage even if the statute of limitations does not.<sup>2<\/sup><\/p>\n<\/blockquote>\n\n\n\n<p>The safe action for Mississippi policyholders is to be timely and not provide late notice of the loss. To read more on the topic of Mississippi law and prejudice, see Chip Merlin\u2019s blog post \u201c<a href=\"https:\/\/www.propertyinsurancecoveragelaw.com\/2022\/03\/articles\/insurance\/mississippi-requires-prejudice-for-a-policyholder-to-lose-coverage-for-failure-to-appear-at-an-examination-under-oath\/#more-30991\" target=\"_blank\" rel=\"noreferrer noopener\">Mississippi Requires Prejudice For a Policyholder To Lose Coverage For Failure to Appear at An Examination Under Oath<\/a>.\u201d &nbsp;<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\" \/>\n\n\n\n<p><sup>1<\/sup> <a href=\"https:\/\/scholar.google.com\/scholar_case?case=6709107567753356475&amp;q=%22the+concept+of+prejudice+will+determine+whether+a+breach+of+the+notice+obligation+will+cause+coverage+to+be+lost.%22&amp;hl=en&amp;as_sdt=4,25,345,346\" target=\"_blank\" rel=\"noreferrer noopener\"><em>Jackson v. State Farm Mut. Auto. Ins. Co<\/em>., 880 So. 2d 336, 341 (Miss. 2004)<\/a> (citing <a href=\"https:\/\/scholar.google.com\/scholar_case?case=17908075332351631858&amp;q=%22the+concept+of+prejudice+will+determine+whether+a+breach+of+the+notice+obligation+will+cause+coverage+to+be+lost.%22&amp;hl=en&amp;as_sdt=4,25,345,346\" target=\"_blank\" rel=\"noreferrer noopener\"><em>Harris v. American Motorist Ins. Co<\/em>., 240 Miss. 262, 126 So. 2d 870, 873 (Miss. 1961)<\/a>).<\/p>\n\n\n\n<p><sup>2<\/sup> <em>Id.<\/em> at 342.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Insurance companies always seem to be at the ready with quite a few defenses up their sleeves, including \u2013 the technical defense of late notice. The traditional notice rule did not require the insurance company to show there was prejudice, it was simply enough for them to show the notice was untimely. Thankfully, many states&nbsp;<span class=\"ellipsis\">&hellip;<\/span><\/p>\n","protected":false},"author":27,"featured_media":29002,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[],"tags":[10,250,166],"class_list":["post-32526","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","tag-insurance-claim","tag-late-notice","tag-notice-of-loss"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Late Notice in Mississippi | Property Insurance Coverage Law Blog<\/title>\n<meta name=\"description\" content=\"January 10, 2023 Insurance companies always seem to be at the ready with quite a few defenses up their sleeves, including \u2013 the technical defense of late notice. 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