How this estimate is built
Your medical expenses and lost wages are your economic damages, never capped in Mississippi. We apply the multiplier method, the industry-standard approach, to estimate noneconomic damages — then check the result against whichever cap genuinely applies.
Pure comparative negligence: fault reduces, never bars
Under Miss. Code § 11-7-15, contributory fault never bars recovery — it only reduces your damages in proportion to your own percentage of fault. A claimant found 90% at fault can still recover the remaining 10%; there's no threshold where fault wipes out the claim the way it does in a modified comparative or contributory negligence state.
Two separate caps, genuinely inverted
Miss. Code § 11-1-60 sets up two distinct noneconomic damages caps. Medical malpractice claims are capped at $500,000 under subsection (2)(a). Nearly every other type of personal injury claim — car accidents, slip and falls, premises liability — is capped at $1,000,000 under subsection (2)(b). That's the reverse of what most states do: here, ordinary personal injury carries the higher cap, not malpractice.
Economic damages and the seat belt rule
Neither cap touches economic damages, which remain fully uncapped in either track. And worth knowing if fault is being contested: Miss. Code § 63-2-3 specifically prohibits using a failure to wear a seat belt as evidence of contributory or comparative negligence, so that argument can't be used to increase your fault percentage.