• Skip to primary navigation
  • Skip to main content
  • Skip to footer
whiplash st louis

Whiplash St. Louis - Whiplash Injury - Car Accident

  • Whiplash
    • What is Whiplash?
    • How Long Does Whiplash Last?
  • Symptoms
  • Treatment
    • Exercises
    • Physiotherapy
    • Surgery
  • Compensation
  • Car Accident
    • What to Do When You Get in a Car Accident
    • The Most Common Causes of Car Accidents
    • Wrong Way Car Crash
    • Why Hire a St. Louis Car Accident Lawyer?
    • Injuries
      • Brain Injury
      • Delayed Injuries
      • Head Injury
      • Leg Injury
    • T-Bone Accident
    • Uninsured Motorist
    • Who Pays My Medical Bills?
  • Blog
You are here: Home / Blog / What You Need To Know About The Penalties For Driving Uninsured In St. Louis

What You Need To Know About The Penalties For Driving Uninsured In St. Louis

January 5, 2021 by Christopher

Recent surveys show that about 13% – about 1 in 8 – drivers in Missouri are driving without insurance. 

Auto insurance is essential in our car-focused world. Having an insurance policy ensures that, if you hit someone and it’s your fault, their medical bills, injuries, and other expenses will be covered. 

However, what happens if you drive uninsured in St. Louis? Doing so is illegal and carries stiff penalties, but it’s more common than you may think. Recent surveys show that about 13% – about 1 in 8 – drivers in Missouri are driving without insurance. 

uninsured car accident st. louis

The Penalties For Driving Uninsured Depend On The Circumstances

There are several different legal penalties that drivers can incur if caught driving without insurance coverage in Missouri. These include:

  • Loss of driving privileges – A first-time offender may have their driving privileges suspended until they obtain adequate insurance. Second-time offenders will generally have their driving privileges revoked for 90 days, and third-time offenders for a full year.
  • Paying a reinstatement fee – This fee is generally $20 for first-time offenders, $200 for second-time offenders, and $400 for third-time offenders.
  • Paying a fine – There is generally no fine for a first offense, but a $500 fine may be charged for second and third-time offenses.
  • Jail time – No jail time is incurred for a first offense, but second or third-time offenders could spend up to 15 days in jail. 

In addition to this, “no insurance” tickets will never be removed from a driver’s record in Missouri. They will stay on the record permanently, which could affect an uninsured driver’s insurance rates in the future. 

Uninsured Drivers May Be Sued For The Damages Incurred By The Accident

If an uninsured driver hits you and is found at fault for the accident, they must pay for the damages caused by the accident. If the uninsured driver does not pay for the damages, they may lose their driving privileges for a year or until they provide proof to the Driver License Bureau that the accident damages have been settled.

As any uninsured motorist lawyer in St. Louis will tell you, one good thing about living in Missouri is that uninsured motorist coverage is mandatory for all drivers. If you have insurance and are hit by an uninsured driver, your insurance company will generally be responsible for providing you compensation.

To make sure that you never have to worry about penalties for driving uninsured – or the costs incurred by being hit by an uninsured driver – make sure you carry a Missouri auto insurance policy that meets the state’s minimum requirements! 

Involved in a Car Accident With an Uninsured Driver in St. Louis?

A St. Louis uninsured motorist attorney can help you recover the damages you deserve from your insurance company and the responsible party. If an uninsured driver has hit you, speak with an experienced lawyer today to ensure your legal rights are protected.

FREE Consulation

Speak with an experienced attorney 24/7

Click to Call: (314) 361-4242

Filed Under: Blog Tagged With: uninsured driver

Footer

Instant Contact Form

Call 24/7 (314)361-4242

    Your Name (required)

    Your Phone (required)

    Your Email (required)

    Subject

    Your Message

    Copyright © 2021 The Hoffmann Law Firm L.L.C.
    The images included on this site are not actual attorneys, events, or clients. The choice of a lawyer is an important decision and should not be based solely on advertisements. The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. We invite you to contact us and welcome your calls, letters and electronic mail. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established.Attorney Chris Hoffmann handles car and truck accident claims throughout Eastern Missouri and Western Illinois. He represents injured clients in St. Louis, St. Charles, St. Peters, Clayton, East St. Louis, Alton, Hillsboro and Belleville, and other cities in St. Louis County, St. Charles County, and Jefferson Country, MO, and St. Clair County and Madison County, IL.