Written by attorney Melisa Dawn Ludeman

MO & KS Guide to Insurance Tickets

If you have an insurance ticket, you may want to think twice about simply paying it. I say that because I have many clients call who have been suspended because they pled guilty to a no insurance ticket by paying the fine. In Missouri no insurance tickets carry 4 points and in Kansas a no insurance ticket counts as an offense under the Habitual Driver statute (wherein you can be suspended for 3 years).

You can avoid that hefty toll on your driving record by hiring a lawyer to help you plea your ticket. There are two issues in dealing with these types of tickets. The first is whether or not you had insurance on the date of your ticket. For example, you were pulled over and were cited for failure to maintain financial responsibility, but in fact you had insurance, but your proof of insurance was not with you. In cases such as these, you can call the court and ask if you are allowed to present proof of insurance to the clerk or the judge. If so, just take your proof of insurance to the courthouse or with you on your court date. In most cases like these, your ticket will be dismissed with proper proof of insurance.

The second issue is if you did not have insurance on the date of your ticket. If this is the case, you should really consider consulting an attorney. Most clients who can show that they have insurance now, with the assistance of an attorney, can avoid those points by having the ticket amended to a a lesser offense.

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