General Rule for Insurance Increase
Hi,
I did a search but found no info with regards to the number or type of infractions that will trigger your insurance to increase.
Is there a general rule of thumb for this?
I have heard a few difference of opinins on this such as 3 infractions regarless of the severity will cause an increase, and also if a ticket is below 15km over it will have no effect.
Can anyone shed some light?
Cheers
Re: General Rule for Insurance Increase
thread moved from "general" to insurance area.
Might want to check out the insurance links page
Re: General Rule for Insurance Increase
I think this really depends on your particular insurance company and your particular policy. My personal opinion is that everything causes an insurance increase, even getting no tickets. Last year my policy went up. When I called them and asked why they said, "General rate increase." Whatever...
Re: General Rule for Insurance Increase
mdevo wrote:
Is there a general rule of thumb for this?
Not really, as Simon said. Depends on the insurer. For example, my provider does not give an increase for a single "minor" infraction, such as 15 km/h over the limit. A second minor infraction within a 3-year period results in a surcharge. Many others, however, will increase your rate for ANY infraction.
While insurance companies look at all sorts of information to minimize their financial risk (i.e. the payouts they'll have to make versus revenue), they interpret risk data a bit differently. When I moved to the US for two years, I did some on-line research, and saw one insurance company would've charged me $2000 more per year in premiums for a single speeding ticket. Curious as to what it would be for a more severe infraction, I changed the criteria while filling out the on-line quote, and I was stunned to discover my rates would've been lower if I had two drunk driving convictions and smoked a pedestrian. 
(Of course I don't have any drunk driving convictions and haven't hit a pedestrian, but that experiment with the insurance quote floored me.) Conversely, the provider I ended up choosing charged $25 more per year for a single speeding ticket of 10 mph over or less. Yet, both insurance providers, same state, same coverage area, same driver. Make sense? Didn't think so...
TORONTO STAR 6MAY10
Tony Van Alphen
Business Reporter
The Mazda dealership in Orangeville may have given new meaning to the automakers slogan of "zoom, zoom, zoom" for motorist Madeline Leonard.
Leonard walked into the dealership wanting to replace the tires on her 2004 car.
By the time she left she was on the hook for a spiffy, black 2010 Mazda6 sedan at the eye-popping price of almost $66,000, after…
The fine is not the issue but I am worried about insurance rates. First speeding ticket in my life 
Any suggestions on how to handle this? I can't afford to spend a day at the court
So was at court today in Orillia for a friend, and I had submitted a couple notice of motion a couple weeks ago that I wanted to deal with before arraignment. I met with prosecutor before hand, and it went something like this:
Prosecutor: "Do you have the case law?"
Me: "What do you mean?"
Prosecutor: "Do you have the case law for your motion?"
Me: "All the case law is quoted in the motion that I…
ok so I do have some weblinks to explore, but your personal advise as always is welcome
* I want to get a dashcam for my car, any recomendations OR suppliers in the Miss. area or general GTA ?
Question
If I'm in an accident and say police attend, if I say (lets say it's not my fault) hey I have dashcam footage.
would they confiscate it because it's potential evidence.
I'd want to view any footage…
So I got one two weeks ago on a nice Friday 13th... 
Last week I went to the Offences Office and submitted Option 3 (plead not guilty). Trial date to be sent in approximately 6 months.
My intention is to delay as much as I can.
When should I request the disclosure?
According to Ticket Combat, it should be done right away.
I called the office this morning and the lady said I should wait a few…
I have a trial tomorrow for two tickets
1)failure to change address on license (i got married a couple of months earlier and moved)
2) license plate not fully visible
I got pulled over because I had 2 letters peeling off my license plate. I know ignorance isn't a defense, but I really had no idea that this was an issue. Plus, you see many cars on the road with peeling plates. I got both tickets and…
Planning on going to the US (NY from TO) for about a week, next year;
so some questions and points,
1> Do I need to get special cover from my insurance
2> My car speedo is in KM's , would it help to put a couple of stickers to note where the MPH limits are
3> IF I get a ticket, do I have to go back to NY, to deal with it?
4> If I ignore it can I be extradited or fined…
I was driving around 140km/h on a 100km/h posted on the highway. I was in the fast lane. The officer was very nice and reduced it to no points and just 15km/h over.
I only have my G2.
1. Will this affect me taking the G test next month?
2. I am very grateful for the officer lowering the ticket... should I just pay the 52.5$ and leave it as is.. I am a secondary driver under my dads name and we have…
Hi, thanks in advance for the help. Been driving for 10 years, clean record until today when I got slapped with two tickets. First: going 135 at 100 on the 401, second: not having a valid sticker (I recently moved and completely forgot about it)
My friend tells me I should fight the speed ticket, if anything to reduce the fine and points. Would be alot of help if anyone could walk me through…
so I have a cell phone on a dash mount, (so I can see it)
I have a bluetooth handsfree in the visor.
If I'm driving, and the phone goes, if I press the button on the bluetooth device to take a call and just talk into the mic
Will you be ticketed ?
I think you can set it for auto or voice answer but my phone doesnt support that
Also I heard somewhere that you can't have the phone in sight ?
Is talking…
My wife, who has never had a traffic ticket in her life, just got 11 points.
Two tickets: "following too closely" and "failure to stop"
She was on a residential street and was behind a car at a crosswalk waiting for a pedestrian. Pedestrian crossed, they continued. Cop was drivig towards them down a side street , and as they passed he went after my wife.
At the next block there was a red light.…
I was driving on Hwy 401 Cambridge at 5PM.
I was driving in mid lane and was following a line of cars around speed limit.
The vehicle in front of me was large and I decided to change to the left lane to get better line sight.
As soon as I entered the left lane, I saw the car in front of me approximately 200m away stopped dead (for some odd reason, there was more traffic on the left lane).
I hit the…
Over the last few months I have received several parking tickets from the City of Kitchener. I haven't paid any of them and have attempted to dicuss the situation with the parking authority of the City, however, they're very unreceptive and defensive.
I work at a downtown construction site....ironically a Court House. The site takes up a whole city block, of which ONE side has 2 hour parking…
Here's my story:
I was driving on a teusday night in the rain and fog at whites and highview by St. Mary CSS in Pickering, ON. At the time I was waiting at a red light to make a left north onto whites. There was also a car on the opposite side of the intersection making a left. The cars beams were pointed almost directly at my face and as a result, with the combination of the rain and fog, I…
Cop pulls over an ambulance for not "yielding" to him while there is a patient in the ambulance!
Hi
I am new to this website and this is my first post so please forgive me if I've put this question in the wrong place. Please bear with me until I learn the ropes a bit.
So here are my questions:
Antique cars and hot rods (1930's- early '60's) and seat belt use in Ontario. If these vehicles never came from the respective factories with any seat belts, do they have to be retrofitted ?
Can an…
OK so Jshreck has been taking some heat for the concept of providing the DL as being not required and therefore inadmissable in court. Personally, I think that argument would fall on deaf ears in the lower court and any chance at victory would have to be in the highest court. That would be quite something. When pigs fly I think, but along that line of thought, allow me to continue.......
Back…
Hello everyone,
I have a court date soon and am wondering whether the officers just read off their disclosure notes when interrogated.
Basically, according to the disclosure notes and the said distances and speeds quoted, by doing some simple math it just doesn't add up. My concern is whether the officer can change his story when on the stand after maybe realizing this?
Thanks in advance for your…
Hello Everyone,
Last week I was driving home from college in the sauga area. I drive a 1995 Chevy Monte Carlo v6 which I've owned since 2000, I really haven't done anything to the car except tinted windows (not completely darken) and some rims, and Nothing Engine wise. Anyway I look in my rear view mirror and out of no where i see cherry flashing. When pulled over the officer asked do you…
I was charged 2 days ago with RED LIGHT - FAIL TO STOP and set fined $150 and I guess 3 points. I was driving turning left on the intersection with a traffic light, and when I jst about to turn left the light turned to orange and I didn't have enough time to stop. Once I turned I saw the light turned to red and 2seconds later I saw a police beacon flashing through my rear-view mirror. It…
Failure to sign permit in ink - $110 fine.
I figured pleading not guilty is the same as saying it was signed which is stupid. A friend of mine told me I could plead guilty with explanation and try to get the fine reduced when I come in.
Can anyone comment on this, is this true at all?
So this Friday I was stopped by a local officer for going 110 in a 80zone. He also claims I was going 105 in a 50zone,which we literally passed when he stopped me as I was braking. It has been 3 days already and I can't seem to locate my ticket on their Internet site "pay ticket". Is there a way to determine if he has filed for certificate of offence to the courts? It has been 3 days I presume…
In point form ONLY.....maximum of 5, what is your pet peeves of other drivers...
*********************
1 - Fail to Move LEFT
2 - drinking and driving
3 - expired plates
4 - follow too close
5 - no parking zones
Hi,
My trial date is in a couple days for a speeding ticket (york region) and i am nervous it is my first ticket ever as well as first trial
I did notice my ticket was filed beyond 7 days, 10 days after the day i got the ticket to be exact, which is stamped on the ticket. is this enough to have it dismissed?
Early morning sunrise and t-storm to the south.
Right place, right time and a clean car!!
If you look close enough, beside the drivers' side "A" pillar you will see a white circle = front antenna of Genesis radar......plus look above the dash pad...there is the Spectre RDD.
