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Compulsory Automobile Insurance Act 3 (1)
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PostPosted: Tue Feb 25, 2014 3:33 am 
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Joined: Wed Dec 04, 2013 6:05 pm
Posts: 22
According to this section...

Operator to carry insurance card
3. (1) An operator of a motor vehicle on a highway shall have in the motor vehicle at all times,
(a) an insurance card for the motor vehicle; or
(b) an insurance card evidencing that the operator is insured under a contract of automobile insurance,
and the operator shall surrender the insurance card for reasonable inspection upon the demand of a police officer. R.S.O. 1990, c. C.25, s. 3 (1).

Therefore, if I was to provide a police officer with a valid insurance slip for a vehicle other than the one I was pulled over in, would this satisfy 3(1)(b)?


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Re: Compulsory Automobile Insurance Act 3 (1)
PostPosted: Tue Feb 25, 2014 9:49 am 
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Joined: Tue Feb 01, 2011 9:49 pm
Posts: 2110
Location: Ontario
arnoldstheman wrote:
Therefore, if I was to provide a police officer with a valid insurance slip for a vehicle other than the one I was pulled over in, would this satisfy 3(1)(b)?


Does the policy have your name on it? Showing you're insured should be sufficient.


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Re: Compulsory Automobile Insurance Act 3 (1)
PostPosted: Tue Feb 25, 2014 11:40 am 
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Joined: Wed Mar 30, 2011 1:08 pm
Posts: 536
Location: Ontario
Having a slip for a different car even with your name on it does not mean you may be insured in the vehicle you are currently driving and should not be accepted as proof of insurance. Some policies cover you for a period when you buy a vehicle. You should have that policy with you to show the officer.
If the slip says the driver (operator) is covered in any vehicle they drive then you are fine (mostly used in fleet, farm and commercial).


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Re: Compulsory Automobile Insurance Act 3 (1)
PostPosted: Tue Feb 25, 2014 2:58 pm 
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Joined: Wed Dec 04, 2013 6:05 pm
Posts: 22
Yes, my name and address are on the slip and it is not expired.

ynotp, what you are talking about I believe would apply if the officer was giving me a ticket for failure to have insurance, if the car I was driving was not insured, that would be the appropriate ticket. However, the ticket i received is not for driving without insurance, it is failure to carry insurance card.....according to section 3 (b) it seems I did in fact satisfy this requirement?

The officer at the scene told me "I do not know if your car is insured", he made it seem like he gave me a break by giving me this ticket instead. While that's fine, in court, I only have to defend the ticket I received, which was not for driving without insurance, it was for failure to produce insurance slip, however, I did provide a legal and valid slip.

Am I wrong?


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Re: Compulsory Automobile Insurance Act 3 (1)
PostPosted: Tue Feb 25, 2014 3:00 pm 
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Joined: Wed Dec 04, 2013 6:05 pm
Posts: 22
FYI...my vehicle is insured under a policy of automobile insurance....


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Re: Compulsory Automobile Insurance Act 3 (1)
PostPosted: Tue Feb 25, 2014 6:02 pm 
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Joined: Wed Mar 30, 2011 1:08 pm
Posts: 536
Location: Ontario
If you believe that you had better fund some precidents to back you up your reading if the legislation.


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Re: Compulsory Automobile Insurance Act 3 (1)
PostPosted: Sun Aug 03, 2014 8:35 pm 
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Joined: Fri Jul 11, 2014 9:39 pm
Posts: 16
Arnoldstheman, what was your outcome?


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Re: Compulsory Automobile Insurance Act 3 (1)
PostPosted: Wed Oct 15, 2014 9:02 pm 
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Joined: Wed Dec 04, 2013 6:05 pm
Posts: 22
Met with a different prosecutor. Explained the situation to him and said if the charge is not withdrawn I am prepared to file for an 11 (b). He withdrew the charge :)


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Re: Compulsory Automobile Insurance Act 3 (1)
PostPosted: Thu Oct 16, 2014 6:57 am 
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Joined: Wed Feb 08, 2012 1:29 pm
Posts: 41
arnoldstheman wrote:
Met with a different prosecutor. Explained the situation to him and said if the charge is not withdrawn I am prepared to file for an 11 (b). He withdrew the charge :)



Way to go !


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Re: Compulsory Automobile Insurance Act 3 (1)
PostPosted: Fri Feb 20, 2015 11:53 am 
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Joined: Fri Feb 13, 2015 12:07 pm
Posts: 11
If you're listed on a policy with the endorsement for non-owned vehicles then you have coverage for other vehicles. This is you specifically, it does not transfer to anyone else like liability coverage does for an insured vehicle you are lending out.


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