No Insurance Ticket Adds 4 Points To Driving Record

No Insurance Ticket

Potential penalties for a “No Insurance” ticket in Missouri include:  driver’s license suspension, 4 points added to your driving record, 15 days in jail and/or a $500 fine.

Driving Without Insurance Is Illegal In Missouri

Driving without insurance is illegal and is considered a class D misdemeanor (if it’s your first offense) in Missouri.

The criminal offense of driving an uninsured vehicle may be described on your ticket in the following ways:

  • Failure to Maintain Financial Responsibility
  • Failure to Maintain Insurance
  • No Proof of Insurance
  • No Insurance

The Missouri statute regarding driving without insurance is called the “Duty To Maintain Financial Responsibility” law, RSMO 303.025.

Penalties For “No Insurance” Ticket In Missouri

Here are the potential penalties for a FIRST-TIME offense of “Failure to Maintain Financial Responsibility” or “No Insurance”:

  • 4 points added to your driving record
  • Suspension of your driver’s license

Potential penalties for a SECOND offense of driving without insurance include the following:

  • 4 points added to your driving record
  • 15 days in jail and/or a fine of up to $500
  • Suspension of your driver’s license
  • Order of Supervision instead of points

How Many Points Can You Accumulate Before Your License Is Suspended?

Missouri will suspend your driver’s license for 30 days if you accumulate 8 points within 18 months (if it’s your first offense).

Your license will be revoked for 1 year if you accumulate 12 points within 12 months, 18 points within 24 months, or 24 points within 36 months.

A “No Insurance” ticket is a 4-point ticket, while most standard speeding tickets are either 2-point or 3-point violations.

How Long Will Your Driver’s License Be Suspended For Failure To Maintain Insurance?

Your license can be suspended when you plead guilty to a “No Insurance” ticket:

  • 1st Suspension – 0 days
  • 2nd Suspension – 90 days
  • 3rd Suspension – 1 year

If you plead guilty to a “No Insurance” ticket involving an accident and you failed to pay for the damages to the other vehicle, your license will be suspended for 1 year.

What Happens If You Get Into An Accident And Your Car Is Not Insured

If you are involved in an accident and your vehicle is not insured, your license can be suspended (see above), and you will have to pay for the damages for which you are liable.

Contact the attorney for the insurance company representing the other driver to negotiate a payment plan or lump sum amount to pay for the damages. You may have to make several payments before the insurance company’s attorney will request that the Missouri Department of Revenue (DOR) lift your suspension.

Failure to pay for the damages resulting from the accident will cause your license to be suspended for 1 year. You will not be able to reinstate your driver’s license until you provide proof to the DOR that you paid for the damages.

After a license suspension for failure to maintain insurance when an accident is involved, you can apply for reinstatement of your license. You will have to file an SR-22 form proving that you have liability insurance for your vehicle, and you will have to maintain that insurance for 3 years from your reinstatement eligibility date.

How Long Does A “No Insurance” Ticket Stay On Your Driving Record?

If you plead guilty to a “No Insurance” ticket, 4 points will be added to your driving record and the conviction will remain on your driving record forever.

Unlike most traffic violations which are removed from your driving record after a certain number of years, a conviction for “Failure to Maintain Financial Responsibility,” “No Insurance,” or “No Proof of Insurance” will never be eligible for removal from your driving record.

Why Did You Get A “No Insurance” Ticket If Your Car Was Insured?

It is very common to get a “No Insurance” ticket, even if your car was insured, if you had an expired insurance card in your possession at the time you were pulled over by police.

Many people now keep proof of insurance on their iPhone, but not all police officers will accept that as valid proof of insurance.

Do You Need An Attorney To Get Your “No Insurance” Ticket Dismissed?

If you received a “No Insurance” ticket but your vehicle was insured at the time of the traffic stop, you can call the court clerk and ask if you can bring proof of insurance to court and ask the judge to dismiss your ticket. (Some courts will allow you to bring proof to the court clerk’s office without requiring you to appear in court.)

Keep in mind that some courts will not allow you to request a dismissal of your “No Insurance” ticket without having an attorney representing you.

You can call the court clerk prior to your court date to ask about the court’s policy regarding “No Insurance” tickets. You can also read my previous blog post discussing how some courts in St. Louis handle “No Insurance” tickets.

How To Get A “No Insurance” Ticket Reduced To A No-Point Violation

You will need to hire an experienced traffic law attorney if you want to get your “No Insurance” ticket reduced from a 4-point violation to a no-point infraction, such as “Illegal Parking.”

You won’t have to appear in court if you hire an attorney to represent you, and you will be given at least 30 days to pay any fines or court costs that you may owe. The amount of the fine will depend on whether your vehicle was insured at the time of the traffic stop or you purchased insurance afterward.

What To Do About A “No Insurance” Ticket If You Don’t Own A Car

If you received a “No Insurance” ticket while driving a vehicle that you borrowed from a friend, contact your friend to ask if they can provide you with proof of insurance. If that doesn’t work, you can purchase “Non-Owner’s Insurance” or “Non-Driver’s Insurance” and provide that to your attorney who is representing you in court.

If you no longer own the vehicle you were driving at the time you received the “No Insurance” ticket, you will have to provide proof of insurance for the vehicle you currently own.

The judge will not dismiss a “No Insurance” ticket just because you provided proof that you purchased insurance after the fact, but your attorney can get the 4-point “No Insurance” ticket reduced to a no-point infraction that won’t affect your driving record.

 

________________________________________

If you received a Missouri “No Insurance” ticket and you want to get it reduced to a no-point infraction, contact St. Louis traffic law attorney Andrea Storey Rogers at (314) 724-5059 or [email protected] for a free consultation about your ticket.

What is SR-22 Insurance?

SR-22 insurance is not insurance. SR-22 is the name of the form that you have to file with the Missouri Driver’s License Bureau to prove that your vehicle is covered by liability insurance.

Where to Get an SR-22 Form

You must obtain the SR-22 form from your insurance agent after you purchase liability insurance. Your insurance agent can file the form with the Missouri Driver’s License Bureau for you.

When is an SR-22 Required?

You must file an SR-22 form with the Missouri Driver’s License Bureau before you can get your license reinstated in the following situations in which your license was suspended or revoked:

    • DUI
    • Administrative alcohol suspension (if not a first-time offense)
    • Failure to submit to alcohol or drug test (for example: you refused to blow into breathalyzer)
    • Accident while driving uninsured vehicle resulting in court judgment against you
    • Accumulation of too many points on your driving record for non-alcohol-related moving violations

In addition, you must file an SR-22 before applying for a hardship license (Limited Driving Privilege).

How Long Do You Continue Filing an SR-22?

Missouri requires that you file an SR-22 with the Driver’s License Bureau for 2 years following a license suspension resulting from any of the violations listed above.

If your license was suspended under the Mandatory Insurance Law for failing to show proof of insurance or for using a fake insurance card, you must provide proof of liability insurance to the Driver’s License Bureau for 3 years starting on the date you were eligible to get your license reinstated. In these situations, you can provide proof of insurance to the Driver’s License Bureau using the SR-22 form, or by providing a copy of your current insurance card.

Click here for more information about license reinstatement requirements on the Missouri Driver’s License Bureau website.


To get your “No Insurance” traffic ticket dismissed or amended to a no-point violation, call St. Louis traffic law attorney Andrea Storey Rogers at (314) 724-5059 or email her at [email protected]

 

Some Missouri Courts Dismiss “No Insurance” Traffic Tickets if You Buy Insurance

Most courts in the St. Louis, Missouri area will dismiss a “No Insurance” ticket if you later provide proof that the car you were driving was insured at the time the police officer pulled you over, or that you purchased auto insurance afterward. You may also have to pay court costs, which can range anywhere from $25 to $60, depending on the court. (A ticket for “No Insurance” is the same as a ticket for “Failure to Maintain Financial Responsibility.”)

A “No Insurance” Traffic Ticket Causes 4 Points to be Added to Your Missouri Driving Record and It Remains on Your Driving Record Permanently

If you are unable to get a “No Insurance” traffic ticket dismissed or amended to a lesser charge, then you will have to pay the fine for the ticket and 4 points will be added to your Missouri driving record. If you accumulate 12 points within 12 months, your Missouri driver’s license will be revoked for 1 year. If you accumulate 8 points within 18 months, your driver’s license will be suspended for 30 days, if it’s your first suspension.

In addition, a conviction for “No Insurance” will stay on your Missouri driving record forever and will never be eligible for removal. In this previous blog post, I list other types of tickets that remain permanently on your driving record.

You Can Get a “No Insurance” or “Failure to Maintain Financial Responsibility” Traffic Ticket Dismissed Without Hiring a Lawyer in Most Courts in the St. Louis, Missouri Area

Some courts in the St. Louis, Missouri area will allow you to bring proof of insurance to the court clerk’s office prior to the court date, so you don’t have to appear in court. Other courts require that you go to court on the court date and show proof of insurance to the judge before the court will dismiss a “No Insurance” or “No Proof of Insurance” traffic ticket.

Whether you had insurance when the police officer pulled you over, or if you purchased insurance after the traffic stop, some Missouri courts will not allow you to request a dismissal of a “No Insurance” ticket on your own, without the assistance of an attorney. (Call the court clerk’s office ahead of time to find out.) If that is the case, you will have to hire an attorney to file a pleading and provide proof of insurance on your behalf before the prosecuting attorney will consider negotiating a plea bargain to have your “No Insurance” ticket amended or dismissed.

Procedures for Handling “No Insurance” Tickets in Some Municipal Courts in the St. Louis, Missouri Area   

In St. Louis County Municipal Court (North Division) in Hazelwood, Missouri, if you receive a traffic ticket for “No Insurance” and you did not have insurance at the time of the traffic stop, you can appear in court and ask the judge to allow you to take a driving class to get rid of the “No Insurance” ticket. You will need to buy car insurance prior to the court date so you can show proof of insurance to the judge.

In St. Louis City Municipal Court, if you receive a “No Insurance” traffic ticket and you purchased car insurance after receiving the ticket, then you can appear in court on the court date and show the judge your proof of insurance, and the judge will dismiss the ticket upon payment of court costs of $50.50. If you actually had insurance at the time of the traffic stop but you didn’t have proof of insurance with you, then bring your current insurance card to court on your court date and show it to the judge, and the judge will probably dismiss the “No Insurance” ticket, sometimes without payment of court costs.

In Ballwin Municipal Court in Ballwin, Missouri, the fine for a “No Insurance” traffic ticket is $175. If you had insurance at the time the police officer pulled you over, and there was no accident involved, then you can bring proof of insurance to the court clerk’s office and they will dismiss your “No Insurance” ticket upon payment of court costs. If you did not have insurance at the time you were pulled over but you purchased insurance afterward, then you can hire an attorney to negotiate a plea bargain with the Court to have your “No Insurance” ticket amended or dismissed. You can not bring proof of insurance to court on your own and expect the judge to dismiss your ticket if you did not have insurance at the time of the traffic stop.

In St. Ann Municipal Court in St. Ann, Missouri, the fine for a “No Insurance” ticket is $151. If you did not have insurance when you received the ticket, but afterward you purchased at least 3 months’ worth of car insurance, then you can show proof of insurance to the court and your “No Insurance” ticket will be dismissed with a fine of $101. If you did have insurance and can provide proof that your car was insured on the date the ticket was issued, then the court will dismiss the ticket upon payment of $26.50 in court costs.

In St. Peters Municipal Court in St. Peters, Missouri, if you buy insurance after you receive a “No Insurance” ticket, your attorney can negotiate a plea bargain with the prosecutor to have your ticket amended or dismissed. The total fine and court costs will be approximately $375 and no points will be added to your driving record. If you did not have insurance at the time of the traffic stop and you are unable to purchase insurance now, then you must appear in court on your court date. At that time, the judge will determine the amount of the fine that you owe plus court costs, and 4 points will be added to your Missouri driving record.

In Florissant Municipal Court in Florissant, Missouri, if you receive a traffic ticket for “No Insurance” but you had insurance on the date you received the ticket, you can bring proof of insurance to court and the judge will dismiss the ticket upon payment of court costs of $26.50. If you did not have insurance when the police officer pulled you over, you can purchase insurance afterward and bring proof to the court clerk’s office prior to the court date and pay a $125 fine. If you did not have insurance when you received a “No Insurance” ticket and you are unable to purchase insurance afterward, then you must appear in court on your court date, at which time the judge will assess your fine, but no points will be reported to the Missouri Department of Revenue. Unlike most municipal courts in the St. Louis area, Florissant Municipal Court does not report points to the Missouri Department of Revenue for “No Insurance” traffic tickets.

In University City Municipal Court in University City, Missouri, the court will not allow you to request a dismissal of a “No Insurance” ticket on your own, without the assistance of an attorney.  Therefore, you must hire an attorney to file a pleading and provide proof of insurance on your behalf before the prosecuting attorney will consider dismissing your “No Insurance” ticket.

Your Driver’s License Will be Suspended if You Cause a Car Accident While Driving Without Insurance

If you cause a car accident while driving a vehicle that is not insured, your driver’s license will be suspended. For more information, see this page of the Missouri Department of Revenue’s website regarding the consequences of a conviction for driving without insurance.

The offense of “No Insurance” or “Failure to Maintain Financial Responsibility” is a misdemeanor and is punishable by imprisonment in the county jail for a term not to exceed 15 days and/or a fine not to exceed $300. This link takes you to the Missouri law that prohibits driving without insurance.

An Attorney May be Able to Withdraw Your Guilty Plea for a “No Insurance” Ticket and Cancel the Suspension of Your Driver’s License

If you have already pleaded guilty to a “No Insurance” traffic ticket in Missouri, it is possible to hire an attorney to withdraw your guilty plea and negotiate a plea bargain with the prosecuting attorney to have your ticket dismissed or amended. If the “No Insurance” ticket is dismissed or amended to a no-point infraction, then those 4 points that were added to your driving record for the “No Insurance” ticket will be removed. If your driver’s license was suspended because of too many points, then the removal of those 4 points may be enough to cause the suspension to be cancelled or “lifted.”

You will have to provide your attorney with proof that you have purchased auto insurance, and you must act quickly; most courts will not allow the withdrawal of a guilty plea if too much time has passed since your guilty plea, or if you were represented by an attorney when you pleaded guilty.

For more information regarding Missouri traffic law, see my traffic law resources page for links to information regarding Missouri speeding tickets, points, Missouri driver’s licenses, courts, and other traffic-related issues.