High risk auto insurance - St. Louis, MO

The realization that one needs high risk auto insurance is never a pleasant one. Many drivers go for years without any significant problems, but then a serious accident or a DUI can cause one to quickly drop into the high risk category. For those who are parents of young drivers, a few mistakes by teenagers can easily cause an entire family’s policy to fall into this category. There are many factors to consider, however, when one is forced to buy high risk auto insurance.

Limits of Coverage

Many leased autos come with certain policy limits that have to be met. If a lease contract requires $300,000 of liability coverage, high risk auto policy buyers must make sure that their new policy limits match the lease requirements. A policy with large liability limits may be very expensive.

Payments

Standard policies usually have a grace period if a payment is accidentally lost or forgotten. This luxury may not exist with a high risk policy. A late payment may be cause for instant cancellation. A returned check may not cause much trouble if one has a standard policy, but again, it may cause rapid cancellation in the high risk arena.

Drivers

High risk insurance policies may severely limit who is covered if they drive the insured’s auto. While standard policies usually cover anyone who has permission to drive, high risk insurance may only cover the main driver of the insured vehicle. If someone else drives a vehicle covered by a high risk policy they may be held personally responsible if they are involved in an accident.

SR22s

An SR22 is an insurance policy that is issued along with a certificate that goes directly to the secretary of state. It allows the state to be informed at all times if the policy has been cancelled. SR22s are usually required if one has had a DUI, or has been caught driving without insurance. Again, be careful concerning SR22 limits, as they may be much smaller than traditional policies.

Where to Get It

While standard coverage is universally available everywhere, high risk policies may be harder to find. Start shopping online and be sure to compare different policies offered as prices may vary greatly.

While any driver would rather be eligible for standard insurance, high risk insurance may be necessary during one’s driving career. If a driver does exhibit a clean driving record in the future, it is highly probable that they will again be able to obtain regular insurance with good limits at a reasonable price. Due diligence is extremely important when considering any auto insurance policy.

Car Insurance: Why Comparison Shop?

The car insurance industry is a business. And like other businesses, carowner’s insurance providers are willing to compete for their customers. select insurance group understands this and that is why we help you comparison shop for the best car insurance quote available in your area. With our easy to use system, you can find the cheapest car insurance rates available without sacrificing quality. That’s the Select Insurance Group advantage! Call 855-GET-SELECT or go to www.selectinsuranceteam.com for FREE QUOTES!

Missouri DWI laws & Penalties

The state of Missouri persues both Missouri DWI and Missouri DUI cases. A Missouri DWI commonly refers to a drunk driving violation, whereas a DUI refers to driving while under the influence of drugs. If you are arrested for a Missouri DWI it means that you were driving with a blood alcohol level of .08% or greater. This is true only of tests administered up to three hours after the arrest. The Missouri "per se" law allows police to arrest (and the courts to convict) even if your ability to drive was not impaired if you submitted a chemical test of .08% or greater.

If you are arrested on charges of Missouri DWI and refuse to take the blood alcohol test, or if you did take the test and you were above the legal limit, you can lose your license. You have fifteen days after the arrest to take action to protect your driving privilege. It is crucial to have the help of a lawyer for this!

Penalties for Missouri DWI

A Missouri DWI is considered a misdemeanor, provided it is a first offense. In this case, you will be facing a possible jail sentence of up to six months. Also, you will have to pay a fine that cannot exceed $500. Keep in mind, though, that you will also be responsible for paying for your court and incarceration costs. You will lose your license for 30 days, and also face a 60-day restricted driving period. During this restricted time you can drive to and from work and your alcohol education classes. Also, this will be part of your permanent driving record.

A Missouri DWI conviction also carries the requirement of attending the Substance Abuse Traffic Offender Program, or SATOP. The SATOP class costs $190. You will also have to pay to have your license reinstated when you complete the class.

The court also has the option to ask a first time Missouri DWI arrestee to drive only with an ignition interlock device for the duration of the probation period, which is 1 to 2 years. This device will keep the car from starting when the driver has alcohol in his system. This device comes with a monthly maintenance fee that will be your responsibility.

Finally, remember that your Missouri DWI will cause your insurance premiums to increase significantly. No matter if there were injuries or not due to your driving drunk, you will see a huge rise in premiums. You may even lose your current coverage and be forced to seek alternative car insurance.

Here is a summary of the punishments faced for a Missouri DWI:

Missouri DWI First Offense
•Class B misdemeanor

•Up to 6 months in jail

•Up to $500 in fines

•1 to 2 years probation

•90 day drivers license suspension (temporary after 30 days)

Missouri DWI Second Offense
•Class A misdemeanor

•Up to 1 year in jail

•Up to $1,000 in fines

•1 to 2 years probation

•5 years drivers license suspension

Missouri DWI Third Offense
•Class D felony

•Up to 5 years in prison

•Up to $5,000 in fines

•1 to 2 years probation

•10 years drivers license suspension

Missouri BAC Assumptions
•Bac reading of .08 or greater is evidence of intoxication at the time the test was taken.

Missouri Implied Consent Laws
•Chemical testing is allowed. Blood, breath, urine or saliva.

•The arresting officer is required to advise the defendant of the penalties for refusal. A test refusal is admissible in court. The defendant has 20 minutes to contact an attorney.

•Tests resulting in a BAC reading of .08 or greater result in a 30 day suspension.

•Test refusal results in a 1 year license revocation, is admissible in court. The completion of a substance abuse traffic offender program may be required for a license to be reistated.

•PBT test results are admissible as evidence of probable cause, but not as evidence of BAC level.

Chemical Testing
•Blood draws for police testing must be administered by a licensed physician, registered nurse or other qualified person.

•The defendent has the right to have an independent chemical test done by a qualified person. The independent test costs are the defendant's responsibility.

•Test results must be provided to the defendant and their Missouri DWI attorney upon request.

Missouri SR22 Insurance

In Missouri, after you get a DWI conviction in order to get your drivers license back you'll be required to carry what's known as a SR22 insurance policy for a period of 3 years. The SR22 insurance policy is a high risk auto insurance policy that is mandated by the Missouri Department of Motor Vehicles and provided by smaller companies that specialize in this type of auto insurance.

We have worked out a special discount only available here for our website visitors. You won't be able to find a cheaper SR22 insurance policy in Missouri for any less.