TRAFFIC TICKETS: DRIVING WITHOUT OR WITH FALSE INSURANCE
What you must know about auto insurance
In Ontario, it is illegal to drive a motor vehicle that is not properly insured. Ontario has compulsory automobile insurance. This means that every vehicle registered in the province must be insured for third party liability of at least $200,000. This covers you in the event that you injure or kill someone or damage someone’s property. Collision insurance to cover damage to your own vehicle is a good idea but not required by law. In Ontario, insurance companies categorize convictions on your driving record as Major and Minor offences. Major offences include:
- Impaired Driving
- Failure to Remain at the Scene of an Accident
- Fail to Stop for the Police
- Careless Driving
- Fail to Stop for a School Bus
- Racing and Stunt Driving
- Speeding over 50km/h
- Fail to Report Accident
- Driving While under Suspension and some others
Minor offences include any other Highway Traffic Act, Compulsory Automobile Insurance Act or Municipal Traffic Bylaw offences.
The consequences of having convictions in your driver’s records:
- Convictions for major offences can result in immediate increase of your insurance premium.
- Driving without or with false insurance can result in your insurance premium 2-5 times increasing
- Insurance companies hold all convictions against you even if they carry no demerit points.
- If you have 6 or more demerit points on your record, you could be considered un-insurable.
- You would be labeled as a “High Risk Driver” and could remain in this category for 3 years minimum and up to 6 years.
- Some insurance companies will not renew your policy if you have 3 or more convictions on your driving records within the 3 year period.
- Insurance companies assess fault in relation to accidents. If the accident is assessed as an at fault accident, it will be held against you for a minimum of 5 years before your insurance company forgives and forgets.
- Your insurance may not be renewed at all!
If you drive without or with false insurance: Knowing the Consequences
When driving your own vehicle or someone else’s, you must carry the pink insurance card from the insurance company for that particular vehicle. You must show this card when a police officer asks for it.
Penalties for driving without or with false insurance
If you drive a vehicle without insurance or if you carry a false insurance, you can be fined as follows:
- The penalty for driving without insurance is a fine ranging between $5,000 to $25,000
- Your licence could be suspended for up to 1 year
- Your vehicle can be impounded for up to 3 months
- If you do not show the pink insurance card when a police officer asks for it, you can be fined up to $200.
Remember, driving without or with false insurance can result in your insurance premium 2-5 times increasing! You would be labeled as a “High Risk Driver” and could remain in this category for 3 years minimum and up to 6 years. Your insurance may not be renewed at all! Knowing all this information, you have to decide: to fight or not to fight your ticket for driving without or with false insurance
Generally, there are 3 options available for you:
- Pay the fine (out of court)
- Visit a court office to plead guilty but make submissions about amount of fine or time to pay
- Request a trial
Weigh the pros and cons of every option. Calculate the cost of fighting your ticket and weigh it against increasing of your insurance premium. You have only 15 days from the date of the offence to make a decision.
CPsolutions Can Help You Keep Your Insurance Low!