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How Is My Automobile Insurance Affected By A St. Louis Traffic Ticket?

It depends on how many St. Louis traffic tickets you have. But even one speeding ticket in St. Louis can have an impact on your auto insurance rates.

When you receive a traffic citation from a police officer (whether it is speeding, lane change violation, driving while revoked, careless and imprudent driving, etc.), one way to satisfy the charges against you is to simply sign the back of the ticket itself, and pay the associated fine. This will of course take of the ticket for good, but the result of going this route can have a very negative impact on your car insurance.

When you plead guilty to the charges from a St. Louis speeding ticket, the state will assess what are called “points” to your permanent driving record. When points are added to your record, your auto insurance carrier will increase your rates accordingly. Why? Because the more points you have, the more the insurance company can rightfully describe you as a risky driver. Once you are labeled as a risky driver, the insurance company can up your rates (because as a “risky” driver, you are more of a risk on the road to other drivers and pedestrians; this in turn is used by the insurance company as a justification to increase the monthly premiums).

So how do you avoid such a thing from happening? An experienced St. Louis traffic ticket lawyer can negotiate with the local prosecutor, and work out a deal in which the moving violation (for example, speeding) is reduced to a non-moving violations (for example, illegal parking). Getting the infraction reduced in this way means that no points are assessed by the state, your insurance rates remain the same, your record stays clean, and you do not have to make any courthouse appearances.

The affordable St. Louis speeding ticket attorneys at Brinkman & Alter, LLC have been helping people get out of their traffic tickets for years. Our goal is to make sure that you record is clear, that you stay in your car driving, and that your life is not adversely impacted. We have two locations: in the Central West End, at 1 North Taylor, St. Louis, MO 63108; and in the Twin Cities of Festus / Crystal City, at 1000 Truman Blvd, 63019 (Highway 61/67). The initial consultation to discuss your legal matters is free of charge. So contact us today to learn more!!