I got charged with "fail to surrender insurance card" a year ago and I didn't bother to challenge it in court to dismiss the $50 ticket. I figured no points just a small fine, "no big deal" and just paid the fine. Then it came back to bite me in the ass.

Now a year later I find that my insurance premiums have increased 70%.

Broker said I was above the 3 infraction limit, and said I needed high risk insurance. Is there anything I can do to get the "insurance card ticket" dropped after I have already paid the ticket.

If you got any knowledge on how to get my insurance premiums lowered other than just waiting for 3 years, that would be great too.
Thanks in advance.

I would say that your insurer is messing with you. Get some quotes from other people, and quote them instead.

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"The more laws, the less justice" - Marcus Tullius Cicero
"The hardest thing to explain is the obvious"

www.OHTA.ca & www.OntarioHighwayTrafficAct.com

+1

I've personally seen people with 5 convictions on their record who are still on "normal" insurance. Shop around.

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* The above is NOT legal advice. It is an opinion only. By acting on anything I have said, you assume full responsibility for any outcome and its consequences. *
http://www.OntarioTicket.com OR http://www.OHTA.ca OR http://www.OntarioTrafficAct.com

Thanks, will do. I'll check with another broker and see whats up. I'll update this thread when i get some answers.

Use online quotes, too. They give a great estimate.

Also, you can "add" tickets to the blank quote and see how much each one increases your premiums.

_________________
"The more laws, the less justice" - Marcus Tullius Cicero
"The hardest thing to explain is the obvious"

www.OHTA.ca & www.OntarioHighwayTrafficAct.com

You have to fight every ticket these days. Any traffic ticket on your driving record can affect your insurance rates, and by more than the amount on the ticket.