Tag Archives: Chesterfield

MO Vehicle liability insurance coverage explained

Insurance. It’s something we hate to pay for until we need it.

Mandatory Car Insurance

Each state has different requirements for automobile insurance. In Missouri, all motor vehicle operators and owners are required to have liability insurance, which covers the policyholder’s legal liability from injuries to others and damages to their property. The technical term for this is Financial Responsibility. Failure to have Proof of Insurance can result in a ticket and four points on your license. 

Minimum Insurance Coverage

Missouri has a minimum coverage requirement when it comes to liability insurance. Liability insurance covers you when injuries or property damage to others are a result of your actions and negligence. The minimum level of coverage required is $25,000 per person for bodily injury; $50,000 per crash for bodily injury; and $10,000 per crash for property damage. You also are required to have uninsured motorist coverage of $25,000 for bodily injury per person and $50,000 for bodily injury per crash. This last coverage is used in cases where another driver hits you but does not have insurance of their own or a driver hits you and drives away from the scene.

What Counts as Proof of Coverage?

To get people to buy coverage, the state mandates that vehicle owners show proof of insurance when it comes to registering their vehicle or renewing license plates.

When you go into the Missouri Department of Motor Vehicles, you have options to show your insurance coverage: a copy or original of your liability insurance policy; a paid insurance receipt showing the policy information; an ID card issued by the department when a surety bond, real estate bond, or security is filed with the department; a certificate of self-insurance from the Department; or a hand held electronic device showing your policy.

Other Insurance Options

Surprisingly, insurance coverage from an insurance company is not the only way to meet the states coverage requirements. There is self-insurance, which if you have 25 vehicles and you can show you will pay for damage caused by your vehicles. Or you can make a deposit of $60,000 cash with the State Treasurer, which will issue you a certificate of self-insurance.

Finally, another option is the use of Surety bond, Real Estate bond, Certificate of Deposit, or some other Negotiable Security. If you can show $60,000 (or $120,000 if a real estate bond) to the Department of Revenue, the department will issue you a certificate of self-insurance as proof of insurance.

In a nutshell, these are the basic ways to obtain the required amount of liability insurance in order to drive motor vehicles in Missouri. Commercial trucking drivers must meet different requirements of insurance coverage.

MoDOT officials advise drivers to be cautious on eclipse day

It will be the first total solar eclipse in the St. Louis area since 1442.  At the same time local officials are concerned about traffic safety.

Transportation and police agencies across Missouri and Illinois have issued warnings about next Monday’s solar eclipse, warning that traffic snarls and potentially accidents could occur when motorists travel from prime viewing areas.

Jefferson and Franklin counties and points farther south are expected to be among the top spots for Missourians to watch the eclipse.

A national task force of communications personnel from each of 14 states in the eclipse’s “totality” path was created to help address traffic safety concerns.  Because this is rare event, the task force has had to look at how southern states have adapted and prepared for hurricanes. 

In Missouri, MoDOT has increased the number of staffers on motorist assist  vehicles.  They will work with the Missouri Highway Patrol to monitor highway rest areas for congestion.  The expectation is that if the rest areas get filled up, they will have to be closed.

MoDOT expects to see a large increase of motorists in the state.  Estimates place it anywhere between 300,000 to 1.2 million visitors from other states who will be traveling to this central state to see the eclipse.  Excess traffic is expected not just the day of the eclipse but the day before and after as well.

Illinois also expects an uptick in traffic. Estimates are from 100,000 to 200,000 expected to visit the southern Illinois viewing areas near Carbondale.

Because of the increased traffic, transportation leasers are advising visitors to find a safe location, arrive extra early, remain there for a good period afterwards, and leave late.

Drivers are encouraged to turn on their headlights and watch out for pedestrians on smaller roads. People are expected to be randomly parking and walking shortly before the eclipse to get good vantage points and drivers must be aware of their safety.

MoDOT is warning drivers that they cannot stop on interstate highways and that parking is illegal on shoulders.

Chesterfield Municipal Court

Chesterfield Traffic Lawyers

St. Louis County – 21st Judicial Circuit
The Chesterfield Traffic Lawyers at PulledOver.com can handle it,

Chesterfield Speeding Ticket Defense

Our Chesterfield traffic lawyers handle Chesterfield speeding ticket defense, where “no points” is the goal.

Chesterfield MIP Defense

Our Chesterfield MIP lawyers handle Minor in Possession defense, where the object is keeping your record clean and your driver license from being suspended or revoked.

Chesterfield DWI Defense

Our Chesterfield DWI attorneys handle drunk driving defense, where your driver license and your freedom are at stake.

Let our Chesterfield Traffic Lawyers start helping you today. Contact Us

Chesterfield Traffic Court Information

This page contains Court information Links for Chesterfield, Missouri.

Chesterfield Municipal Court

Nancy Morr, Court Administrator
690 Chesterfield Parkway West
Chesterfield, MO 63017
(636) 537-4718

(636) 537-4798 (facsimile)

Prosecuting Attorney
Timothy Englemeyer

Hon. Rick Brunk

Court is held on Tuesday Evenings at 7:00pm approximately 3 times per month.

In 2017, the Municipality of Chesterfield filed over 5,000 tickets. Did you get a ticket in the municipality of Chesterfield? What should you do?

If you received a moving violation you have 3 options:

  1. Pay it
  2. Go to court and try to fight it yourself
  3. Hire an attorney.

If you pay it, there will be points assessed to your license. This can cause your insurance rates to go up and/or cause your license to be suspended. Eight points in 18 months can result in a license suspension.

If you try to fight it yourself, the first time you appear in court, your case will not be heard. You will be required to wait and then stand in front of the judge to plead guilty or not guilty. If you plead not guilty, the judge will set your case for trial and you will have to come back at another date. Taking care of the ticket yourself will result in at least two court appearances taking upwards of an hour a piece. Then if you lose, you will be required to pay the fine anyway.

If you hire an attorney, you will likely avoid the appearance and our goal is to get your moving violation amended to a non-moving violation. We have worked in the Chesterfield Municipal Court for over 10 years. We work with the prosecuting attorney to get your ticket reduced. We then notify you via email and hard copy and all you have to do is mail in your payment. Usually this process requires no appearance in court on your part saving you time and energy. For a free consultation, fill out our easy ticket submission form and one of our attorneys will contact you