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Can I Get A Ticket If I Do Not Have Proof Of Insurance?

Yes, you can. It is still considered a moving violation, so a citation issued by a police officer that pulls you over for no insurance is something you can expect. But there are certainly ways to handle the situation after you’ve received the ticket.

To begin with, the state of Missouri has determined (along with nearly every other state) that driving without automobile insurance is an unlawful infraction. And if you are caught driving without such insurance, you will certainly receive a ticket, and four (4) points will be added to your Missouri driving record. These laws are in place to make sure that everyone who drives will be insured against the negligence of others, and also so that other drivers will be insured against your own bad driving.

However it is not at all uncommon for someone who does in fact have automobile insurance to forget to have proof of such insurance in the car with them at all times (most people keep these documents in their glove compartment). If you are pulled over, and are unable to show documentation that proves you have proper insurance, a ticket will most likely be issued. However, most courts will allow you to show that you do in fact have auto insurance, and therefore dismiss the ticket (but not always; it depends a great deal on the particular prosecutor and/or judge). If the court will not dismiss the ticket after you’ve shown proof of insurance, it is probably a good idea to get help from an experienced traffic attorney. Such an attorney can negotiate something with the prosecutor to get the ticket reduced to some lesser charge, or even get the ticket dismissed.

Another scenario would involve a situation in which you did not have auto insurance when you were pulled over, but you then secured such insurance after the fact. In this case, some courts will allow the ticket to be amended to some lesser violation so that no points are accumulated on your (newly acquired) insurance policy.

Either way, it is always a good idea to seek legal representation whenever you are pulled over by a police officer, and are issued a citation of any kind. The affordable St. Louis traffic ticket attorneys at Brinkman & Alter, LLC have been making sure our client’s rights are protected for years. Our goal is to get you the best outcome possible, and you back on the road driving again with a clear record.