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August 12, 2013

Missouri Law – Driving without Proof of Insurance

Category: Blog, Driving Law, License Suspension, Uncategorized | Tags: , , , , ,

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What may seem like a minor driving infraction, is actually a serious legal offense. Driving without proof of insurance is not  just careless driving, it’s reckless driving. Driving with proof of insurance is important, because it helps protect drivers on the road. So, just how important is having proof of insurance? Missouri drivers without proof of insurance can face a number of serious legal consequences. At Daniel C. Miller Attorney, your trusted traffic lawyer, we care about your well-being. To help you preserve your driving record, we’ve highlighted a few of the consequences drivers without proof of insurance may face.


Missouri state law insists that all drivers have liability auto insurance. Failure to have this or produce proof of it upon request  by an officer of the law can result in supervision. If caught without proof of insurance, drivers may be monitored by the state to make sure they are maintaining a liability insurance policy.

proof of insurancePoints

Sadly, these are not the kind of points you want to accumulate on your driving record. In the state of Missouri, up to four points can be assessed against your driving record if you fail to provide proof of insurance. Here, it is eight points (in an 18-month period) and you’re out…of driving privileges, at least.


If the court chooses to suspend your license for failure to provide proof of insurance, drivers are subject to varying degrees of driver’s license suspension. A driver’s first suspension can result in zero days of a suspended driver’s license, while an offender’s second suspension can lead to a 90-day driving suspension. And, if you are caught driving without proof of insurance a third time, your driver’s license can be suspended for one year.

Each suspension is also accompanied with various fines. In addition to fees, the Missouri Department of Revenue insists that, “Any vehicle driver whose driver’s license is suspended for failing to show proof of insurance must maintain liability insurance on his or her vehicle for a period of three years following the end of the suspension.” Furthermore, failure to produce proof of insurance throughout this time period will result in the suspension of a driver’s license until the driver produces proof of liability insurance.

Driving is a privilege, not a right. If you break the law and drive without proof of insurance in the state of Missouri, you run the risk of having this privilege revoked and paying costly fines. So, before you hop in the driver’s seat and hit the road, make sure you have your proof of insurance. Need a traffic lawyer? Look no further than Daniel C. Miller Attorney. For more information, call us at (816) 875-0470.