Reader’s Question: I live in St. Peters, MO but visiting Illinois. I do not have car insurance but I do have a drivers license. Am I allowed to drive someone else’s vehicle who has car insurance? Richard St. Peters, MO You are allowed to drive in other states other than your home state in St. [...]

Reader’s Question: How will I know if I am a high risk driver who needs SR22 in Independence, Missouri? Terence Independence, Missouri MO How are you Terence? To start with, high risk candidates are individuals who exhibit poor driving habits interlaced with risky behavior. These habits are most often displayed when operating a motor vehicle [...]

Reader’s Question: Can I obtain auto insurance to drive my car or is there a way to drive my car if my drivers license is suspended because of unpaid parking tickets in St. Louis? Judy St Louis, MO You can not operate a vehicle if your license is currently suspended in St Louis MO. You [...]

Reader’s Question: My son is planning to sell his car and go without auto insurance next year. However, he is worried that he will be put into high risk if he goes without insurance for that long. Will it hurt him to not carry insurance for a year in Independence, MO? He has a clean [...]

Reader’s Question: If I have an unpaid traffic ticket in another state, will that affect my application for a car insurance in Kansas City MO, my new home state? Phil Kansas City, MO As long as your license has not been suspended due to the unpaid tickets in the first state, you may still be [...]

Reader’s Question: I would like to know why car insurance rates vary from one company to another. I am trying to shop for cheap car insurance in St. Louis, Missouri and I am hoping you can give me some tips. Francis St. Louis, MO Hello there, Francis. It used to puzzle me too until I [...]

Reader’s Question: I have a clean driving record but if ever I get pulled over by a police officer due to DWI in Missouri, what can you advise me to do? Pat Kansas City, MO Firstly, I am not an attorney, so I would highly suggest you talk to a DUI lawyer in Missouri FIRST. [...]

Reader’s Question: Is there an amount set that is charged for getting an SR22 auto insurance in Missouri  for DUI or does it differ by insurance provider? Mack Columbia, MO Typically, insurance carriers are allowed for a nominal fee charge for filing the SR22 to the state. State laws vary but typically the SR-22 form [...]

Reader’s Question: I would like to know if Missouri a no-fault insurance state? I am planning to relocate to St. Louis suburban area from a Michigan no-fault state and was wondering if I can expect the cost of my insurance to be cheaper. Kelly Columbia, MO By the way, the state of Missouri is not [...]

Reader’s Question: How much would the fine If I get caught driving without insurance (resulting in an accident) in the state of Missouri? Ben Kansas City, MO According to the Missouri Department of Revenue any car driver whose driver license is suspended for failing to show proof of insurance must carry liability insurance on his [...]