Insurance

Benjamin Button
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Insurance

Unread post by Benjamin Button on

Is it the real owner or the legal owner that is required to get insurance on the car? and which section of the HTA staes this please ? Thank you


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Radar Identified
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Unread post by Radar Identified on

It's actually the Compulsory Automobile Insurance Act (CAIA).

Whoever is the registered owner is required to have the insurance. If you have a leased vehicle, that means you have to get the insurance, if that's what you're asking.
* The above is NOT legal advice. By acting on anything I have said, you assume responsibility for any outcome and consequences. *
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Unread post by viper1 on

Benjamin Button wrote:Is it the real owner or the legal owner that is required to get insurance on the car? and which section of the HTA staes this please ? Thank you
Insurance is required.

Anyone can pay for it.

The main driver must be listed on the policy.

An occasional driver would be covered if over 25.

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Benjamin Button
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Unread post by Benjamin Button on

Thank you RI. So only a Registered Owner needs insurance ? What if the car is not registered who insures it then?

Viper1 What if the car belongs to someone via a Bill of Sale but not registered at this point, who is required to insure it and which section of the Act states this please ?


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Unread post by Stanton on

The act states the vehicle owner, not registered owner. It's right at the beginning under Section 2 of the CAIA. I'm sure it's worded this way to prevent a loophole for non registered vehicle owners.

Under your example, if the Crown entered the bill of sale as evidence and/or a statement from a previous owner regarding the sale, it would probably be sufficient to show ownership.


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Radar Identified
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Unread post by Radar Identified on

Yep, actually Stanton is correct - as usual. "Vehicle owner.". My bad. Either way, any automobile driven on public roads needs insurance, no matter who owns it.
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Simon Borys
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Unread post by Simon Borys on

Radar Identified wrote: Either way, any automobile driven on public roads needs insurance, no matter who owns it.
Yes, but does the vehicle ITSELF actually need to be ensured? If my policy for my own vehicles covers me in those vehicle and ANY OTHER VEHICLES I CASUALLY DRIVE, then I'd say there's no problem if I'm driving my friend's car which he doesn't have insurance on because the vehicle is technically insured at the time I'm driving it under my policy.
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Benjamin Button
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Unread post by Benjamin Button on

Yes Simon.... and there is a question insofar as 'vehicle owner' also because how would one determine who the owner actually is if the car is not registered ? It would seem that only if car is registered the 'owner' can be identified as such. For example .. what if a group of people owned it jointly ? I know it sounds odd but it is possible isn't it !


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Unread post by Radar Identified on

If the vehicle is not registered and you don't have insurance... you could get nailed for driving an unregistered/unplated vehicle AND for driving without insurance.

The Compulsory Automobile Insurance Act says "any owner or lessee" must have insurance for any vehicle they own/lease (section 2). I think that means that the vehicle requires it... because the owner gets charged if the vehicle is driven without insurance in effect.




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


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