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How Does A St. Louis Speeding Ticket Affect My Auto Insurance?


Because pleading guilty to a moving violation will result in the state of Missouri assessing a certain number of “points” to your permanent driving record. As points accumulate, your automobile insurance carrier will increase your monthly rates. But there are ways of avoiding such an outcome.

When you get pulled over, and are issued a St. Louis traffic ticket, you have a few different ways to handle it. The first option would be to simply sign the back of the citation itself, and mail in the associated fine. This takes care of the ticket (as far as the state and court are concerned). But the state will then have an opportunity to assign points to your record. Points are like little red flags that make you look like a bad driver. This is what the insurance company uses as its excuse to raise your rates.

In addition, you should keep in mind that the more points you get, the more of a likelihood there is that your driver’s license will be taken away. For instance, if you receive eighteen (18) points in an eighteen month period of time, the state will suspend your license for one year.

The second way to deal with the ticket would be to make a personal appearance in court, and argue against the prosecutor as to why you think the ticket should be amended or thrown out. This would involve a trip to night court, waiting in line for at least an hour to make your case, and no guarantee that the judge will rule in your favor.

The better way to handle a St. Louis speeding ticket would be to have an experienced law firm fix it for you. The St. Louis traffic ticket lawyers at The Bankruptcy Company have been assisting people with their traffic-related issues for over ten (10) years. Our goal is to get the ticket reduced to a non-moving violation. A non-moving violation does not come with any points, which means your insurance rates will remain the same. In addition, you will most likely not have to make any court appearances, and your driving record will remain clear.

We have one location by appointment only: 4625 Lindell Blvd St. Louis, MO 63108. The consultation to discuss your legal affairs is free of charge. So contact us today to learn more!!

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