Why Does My Car Insurance Go Up When I Get A St. Louis Traffic Ticket?

Your automobile insurance rates will rise because of points being added to your permanent driving record. You receive points every time you plead guilty to the St. Louis traffic tickets that you receive. But this does not at have to happen (you do not have to receive points, and your insurance does not have to go up).

When you are pulled over by a police officer, and he or she writes you out a St. Louis speeding ticket, one of your options would be to simply sign the back of the ticket and mail in the associated fine. This will certainly dispose of the ticket (insofar as you will no longer be obligated to anything more by the state), but the consequences of doing so can be far reaching.

Once you sign the ticket and mail it in, you are pleading guilty to the charges listed on the document. So for instance, if you are pulled over for speeding, and you mail in the fine, the state will be able to assess a certain number of points to your permanent driving record. “Points” are like little red flags that make it look as if you are poor driver. Once your car insurance carrier is made aware of this fact, it will then label you a “risky” driver, and raise your rates.

But the St. Louis speeding ticket lawyers at The Bankruptcy Company have a much different plan in mind. We work very closely with the court to make sure that you do not receive any points. Our team does this by negotiating with the local prosecutor to get the ticket reduced to a non-moving violation. A non-moving violation does not come with any points to your record. This will in turn ensure that your insurance rates remain the same. In addition, if you receive a large number of points over a short period of time, the state of Missouri will suspend your driver’s license. For instance, if you get eighteen (18) points within eighteen months, the state will take away your license for one year.

We have one location by appointment only: 4625 Lindell Blvd St. Louis, MO 63108. We offer a free initial consultation with a St. Louis traffic ticket attorney to discuss your legal affairs. So contact us today to learn more!!