In Missouri, anyone convicted of Driving Without Insurance, or as is sometimes written on the ticket as “Failure to Maintain Financial Responsibility”, receive four points on their Missouri driving record. That’s a lot of points and this is exactly why you want to hire a firm like Traffic Ticket Center to resolve the matter in your favor.
These tickets are usually written in a couple situations. First, the driver is pulled over for something like speeding or running a stop light and when the police officer asks for proof of insurance, the driver cannot immediately find their insurance card. We work with clients to get a letter of proper coverage from their insurer and can resolve this type of case usually right away. If the driver didn’t have valid coverage we will ask the client to obtain current insurance and often can receive an amended charge after speaking with the prosecutor.
The second type of Driving Without Insurance case in Missouri is where an accident has occurred, the police arrive on scene and no proof of insurance can be produced by the driver. In the case of an accident, things get more complicated. First, in almost all cases the damages to the vehicle must be paid for before the case can be dealt with properly. If you had valid insurance but couldn’t show it at the accident scene, your insurance company can still process the accident claim. If you did not have valid insurance, this can get tricky and is more serious. We can often assist clients to get a favorable outcome anyway if they can pay the damages and obtain insurance after the accident.
What Is An SR-22?
An SR-22 is a document prepared by an insurance company that can verify whether someone has car insurance. It is not only prepared by the insurance company but also filed by them with the Missouri Department of Revenue (the Department of Motor Vehicles, or “DMV” in Missouri).
So now that we know what an SR-22 is, when would a person need one? It is normally required when a person is seeking to either have their driver’s license reinstated or after someone has been convicted of a DWI or DUI in Missouri. An SR-22 can also be necessary if a person is convicted of reckless driving or was an uninsured driver that caused an accident.
With respect to a DWI conviction in Missouri, the SR-22 will be required for a set number of years. If the person fails to pay the premiums, the SR-22 can be cancelled and when that happens another document called an SR-26 is filed with the Missouri Department of Revenue, which notifies them of the cancellation and once received, the person’s license is suspended until a new SR-22 can be obtained and filed.
The SR-22 can be costly because the insurance company considers the person who needs one to be a high risk driver. The higher the risk of insuring someone, the higher the premiums.
The SR-22 also requires a minimum amount of coverage in Missouri, which $25,000 for one person who is killed or injured, $50,000 for two or more persons killed or injured and also $10,000 for property damage.
It’s important to remember that if you need an SR-22 that you don’t delay in getting one. If you’re license is suspended, you can’t drive and if you drive, you can get additional driving while suspended tickets in Missouri, which can lead to further costs and further problems on your driving record.
A sample of what an SR-22 document looks like can be found here: http://dor.mo.gov/pdf/sr22.pdf