Type A1
Lapse in insurance / SR-22 required
If your insurance lapsed, the state suspends your driving privileges until you re-establish coverage and (in most states) file an SR-22 financial-responsibility certificate.
What Missouri requires: MO has THREE distinct no-insurance scenarios (clarified 2026-06-30 — the prior "two scenarios" framing conflated two accident paths): (1) **Mandatory Insurance suspension — NO ACCIDENT** (any count): obtain coverage; submit standard proof of insurance (**insurance card is sufficient — NO SR-22 required at any tier**); pay the tiered reinstatement fee ($20 / $200 / $400 by 1st / 2nd / 3rd offense). 2nd offense adds a 90-day suspension; 3rd a 1-year suspension. (2) **No-insurance + Accident sub-case** (new sub-case, 2026-06-30): if the underlying no-insurance offense involved an accident → **SR-22 (3 yr) IS required** + $20 reinstatement. Distinct from path (3) below: this sub-case attaches to the Mandatory Insurance no-accident ladder but escalates the cert because of the accident. (3) **Motor Vehicle Accident Judgment (MVAJ) suspension** — separate statute path where there is an unpaid civil judgment from an accident. **SR-22 (2 yr from the accident judgment) IS required** + $20 reinstatement; the underlying suspension can run up to 10 yrs until the judgment is paid (or you set up a payment plan). All tiers stay in-scope administratively; the contested LDP (Limited Driving Privilege) hearing is a separate route, not reinstatement.
State reinstatement fee: $20–$400 (paid directly to MO DOR)