Posts Tagged ‘Music’

Learn About Car Insurance in Missouri

September 28th, 2022

Each state,Guest Posting including Missouri, has its own unique set of requirements when it comes to car insurance. If you are close to driving age in Missouri or you’re moving to Missouri from another state it makes sense to learn about these requirements. Once you learn about car insurance in Missouri you’ll find that it has a few similarities and some differences from other states.One of the most important requirements you will want to be aware of is that Missouri requires you to maintain financial liability for your vehicle. Of course, unless you are moving to Missouri from Wisconsin, Florida, or New Hampshire you should already be familiar with the concept of mandatory car insurance. Basically the law in Missouri states that you must always maintain financial responsibility for your vehicle at all times, to insure an injured party is protected.So, what else should you know about car insurance in Missouri? One important fact is that you must provide proof of insurance at all times, including while registering your vehicle with the DMV. Some acceptable proofs of financial responsibility include a current insurance card, a receipt from your insurance carrier showing name and vehicle information, the actual insurance policy, or a self-insured card from the Driver and Vehicle Services Bureau (applicable to dealers). You are considered exempt from providing proof of insurance if your vehicle is an official state, federal, or municipal vehicle or you have a commercial vehicle and a “motor carrier’s” card instead.You should also know that the state of Missouri not only requires you to maintain liability insurance on your vehicle, they also require a minimum amount of insurance you must maintain. All states are different in this regard, so it pays to know the minimum limits for your state. For instance, in Texas the limits are 30/60/30 (liability/property) but in Pennsylvania the limits are 15/30/5 (liability/property). So, as you can see, the required amounts vary greatly. If you are a resident of Missouri the minimum limits of insurance are 25/50/10, meaning you must maintain $25,000 in liability for a single person, $50,000 for a single accident, and $10,000 in property damage per accident. All car insurance policies written in Missouri must conform to these minimum limits, but it’s important to verify this with your insurer to confirm you are following the law. If for some reason your policy does not adhere to the minimum limits you should contact your agent immediately!Okay, so you know you must legally maintain car insurance in Missouri. But, what happens if you decide to take a risk and forgo purchasing insurance? If you get caught without proof of insurance you may be subject to one of the following penalties – 4 points on your driving record, an order of suspension that subjects you to monitoring, or suspension of your license. If you are in an auto accident and cannot provide proof of insurance you will have to file an SR-22 with the DOR for three years. So, you can see that keeping the proper insurance is vital!You now have a basic familiarity with car insurance in Missouri. Hopefully you will now be able to obtain insurance quotes and other information as an informed consumer, along with preventing any legal ramifications from your failure to maintain insurance.

Missouri DUI Attorney

April 20th, 2022

Missouri DWI Law

Missouri has laws in place to protect motorists, pedestrians, and cyclists from other drivers who choose to drive after consuming alcohol or a controlled substance. These laws are known as the DWI laws and they make it illegal for a driver to drive while under the influence of alcohol and drugs. The penalties available in this type of case can range from license suspension to jail time, so it is important that you get a fair trial. Hiring a Missouri DUI attorney can help you to get the best chance for presenting a successful defense. If you are convicted of a DWI offense, having a skilled Missouri DUI lawyer can help to reduce the penalties that are imposed against you.

Missouri DWI Arrests

When you are arrested for driving under the influence, it is often referred to as DWI when you are under the influence of alcohol. If you are under the influence of drugs, then the offense is simply called driving under the influence. You do not have a choice of what type of test will be offered to you, but you do have the right to contact a Missouri DUI lawyer before you submit to the chemical testing. You also have the right to obtain your own test from a physician or other medical professional after submitting to the law enforcement testing procedures. There are two ways a prosecutor may try to gain a conviction against you for DWI or driving under the influence. One is by showing that your consumption of alcohol or drugs impaired your driving ability to a point where you could not drive as safely as you could have if you had not consumed alcohol or drugs. In this type of case, the prosecutor will attempt to show that you were impaired by introducing information about your arrest. This information may include your appearance, whether the smell of alcohol was on your breath or clothing, whether you were displaying bad driving habits, or if you failed field sobriety tests. The other type of case relies on Missouri’s “per se” law to prove that you are guilty. This type of case is based solely on the results of chemical testing. If you have a blood alcohol concentration test within 3 hours of driving and the result meets or exceeds the 0.08% legal limit, the prosecutor will charge you with DWI and will show that you were driving with this unlawful blood alcohol level to the jury in your case. If you refused chemical testing at the time of your arrest, you will face additional penalties and this information may be introduced during your criminal case. If you are arrested for DWI in Missouri, it is important that you contact a Missouri DUI lawyer so that you can present a solid defense and minimize the impact of the charges on your life.

Administrative DWI Penalties

When you are arrested for DWI, you only have 15 days in which to request a hearing. If you miss this deadline, your license will be suspended and you’ll be unable to drive. The penalties for a first offense when you have failed a chemical test are a 30 day suspension period followed by 60 days of restricted driving. For a second or subsequent offense, the suspension period is one year. There is no hardship license available for restricted driving purposes. This will stay on your driving record for five years after the suspension. If you have refused to submit to a chemical test, your license will be suspended for one year. You may apply for a hardship license after 90 days if you do not have any other offenses on your record. Because losing your driving privileges can impact your quality of life, you must contact a Missouri DUI lawyer to make sure that you are represented by a qualified legal professional.

Missouri DWI Criminal Penalties

The penalties for a DWI in Missouri depend on the number of convictions you have had in the past and any aggravating factors in place at the time of your arrest. The penalties become more severe with each offense. The first DWI offense is classified as a class B misdemeanor. Penalties may include a maximum of 6 months of jail time, a fine of up to $500, repayment of court costs of $10 to $100, probation of one to two years, and a 30-day driver’s license suspension with an additional 60-day restricted driving period. Ignition interlock device installation may also be a requirement. A second DWI offense is classified as a class A misdemeanor. The penalties for this level of offense can include up to one year in jail, a $1,000 fine, court costs of $10 to $100, one to two years of probation, and a 5 year revocation of driving privileges. A hardship license is not available until 2 years of this period have passed. An offender will also have to drive a vehicle with an ignition interlock device installed during their probation period. A third or subsequent DWI offense is classified as a class D felony. The penalties for this level of offense are up to five years in prison, a fine of up to $5,000, court costs between $10 and $100, probation, and a 10 year loss of driving privileges. These penalties are severe, so it is important that you have a skilled Missouri DUI attorney to represent you.