Hello everyone. Thank you for your time to help me who has totally no experience to deal with a ticket. I was caught by police driving at 60 km/h in a 50 km/h zone one King St. W., Hamilton. They asked for my license and ownership but no my insurance and gave me a $40 ticket contrary to HTA 128. The police told me there will be no points deducted and it will not increase me insurance. I planned just to pay for the ticket. However, some of my friends said that as long as it says "speeding" on the ticket, the insurance will be raised. Now I am totally lost and do not know what to do.... Can anyone give me some advice? I wouldn't mind pay the $40 but will this situation increase my insurance at all? Thank you for your time!
Hello everyone.
Thank you for your time to help me who has totally no experience to deal with a ticket.
I was caught by police driving at 60 km/h in a 50 km/h zone one King St. W., Hamilton.
They asked for my license and ownership but no my insurance and gave me a $40 ticket contrary to HTA 128.
The police told me there will be no points deducted and it will not increase me insurance.
I planned just to pay for the ticket. However, some of my friends said that as long as it says "speeding" on the ticket, the insurance will be raised.
Now I am totally lost and do not know what to do....
Can anyone give me some advice? I wouldn't mind pay the $40 but will this situation increase my insurance at all?
You'll have to contact your insurance provider to find out. Some will ignore your first ticket, others may increase your rates. It actually has nothing to do with the fact that it's a speeding ticket. Any ticket (i.e. expired licence plate sticker, burnt out headlight) can increase your rates.
You'll have to contact your insurance provider to find out. Some will ignore your first ticket, others may increase your rates. It actually has nothing to do with the fact that it's a speeding ticket. Any ticket (i.e. expired licence plate sticker, burnt out headlight) can increase your rates.
Thank you! It seems it was not responsible for the police to say "no point, no increase insurance"
Stanton wrote:
You'll have to contact your insurance provider to find out. Some will ignore your first ticket, others may increase your rates. It actually has nothing to do with the fact that it's a speeding ticket. Any ticket (i.e. expired licence plate sticker, burnt out headlight) can increase your rates.
Thank you! It seems it was not responsible for the police to say "no point, no increase insurance"
Did the officer look like an insurance agent? Think for yourself first and foremost. You might want to contact your insurance company and ask some very general questions about how they increase rates based in tickets.
Did the officer look like an insurance agent?
Think for yourself first and foremost. You might want to contact your insurance company and ask some very general questions about how they increase rates based in tickets.
Most people, police included, are of the belief that no demerit points equals no insurance increase. The belief is probably reinforced by the fact that most providers overlook a driver's first minor conviction or never find out about it the first place. I truly don't think it's a case of the police being deceitful versus simply misinformed.
Most people, police included, are of the belief that no demerit points equals no insurance increase. The belief is probably reinforced by the fact that most providers overlook a driver's first minor conviction or never find out about it the first place. I truly don't think it's a case of the police being deceitful versus simply misinformed.
Thank you! If the company will increase the insurance, do you have an idea roughly how much would that be? or it varies a lot among companies? I have a clean record before. will need to think how to communicate with insurance provider towards this issue.
Decatur wrote:
Did the officer look like an insurance agent?
Think for yourself first and foremost. You might want to contact your insurance company and ask some very general questions about how they increase rates based in tickets.
Thank you! If the company will increase the insurance, do you have an idea roughly how much would that be? or it varies a lot among companies? I have a clean record before.
will need to think how to communicate with insurance provider towards this issue.
I agree. I don't think police would lie. I will try to communicate with my insurance provider first. This record will stay in my file for 3 years right? Does that mean if my insurance provider would increase my premium, it will last for 3 years? Thank you for your time!
Stanton wrote:
Most people, police included, are of the belief that no demerit points equals no insurance increase. The belief is probably reinforced by the fact that most providers overlook a driver's first minor conviction or never find out about it the first place. I truly don't think it's a case of the police being deceitful versus simply misinformed.
I agree. I don't think police would lie.
I will try to communicate with my insurance provider first. This record will stay in my file for 3 years right? Does that mean if my insurance provider would increase my premium, it will last for 3 years?
Why would you communicate with your insurance provider ? Leave it for them to find it out if and when they do a check on renewal. One ticket isn't going to break the bank on a premium and my agency don't increase at all for the first.
Why would you communicate with your insurance provider ? Leave it for them to find it out if and when they do a check on renewal. One ticket isn't going to break the bank on a premium and my agency don't increase at all for the first.
Former Ontario Police Officer. Advice will become less relevant as the time goes by !
so would you suggest me just pay for the ticket or go on the court? Thank you!
argyll wrote:
Why would you communicate with your insurance provider ? Leave it for them to find it out if and when they do a check on renewal. One ticket isn't going to break the bank on a premium and my agency don't increase at all for the first.
so would you suggest me just pay for the ticket or go on the court? Thank you!
Hi Timoc in case of reiterating, I recently got a ticket so spent my whole weekend googling. 1> (insurace confirmed with me months ago b4 offence that) demerit point is not relevant, it's the conviction, HOWEVER, they come as minor, major and serious. IF you have only 1 minor, chances are your insurance company will let you off or at most load you by no more than 15%. This is a MINOR offense, BUT it is still a conviction. Apparently copps are more likly to ticket you after your first ticket. 2> Cops are NOT supposed to tell you WHAT will effect your insurance becuase THEY DONT KNOW 3> if you can fight it and have it REMOVED then fine, but a paralegal will cost you $400+ including any fine and unless they can CONFRIM they can get it removed and NOT just down graded its not worth it? If you have a clean record chances are they could be kind 4> BTW the option 2 on the ticket, if you go there they can do nothing OTHER than negiotae, you STILL have to go to court after youve seen the prosecutor, several places I've seen said that its just to get your hopes up sure others will chime in
Hi Timoc
in case of reiterating, I recently got a ticket so spent my whole weekend googling.
1> (insurace confirmed with me months ago b4 offence that) demerit point is not relevant, it's the conviction, HOWEVER, they come as minor, major and serious. IF you have only 1 minor, chances are your insurance company will let you off or at most load you by no more than 15%. This is a MINOR offense, BUT it is still a conviction. Apparently copps are more likly to ticket you after your first ticket.
2> Cops are NOT supposed to tell you WHAT will effect your insurance becuase THEY DONT KNOW
3> if you can fight it and have it REMOVED then fine, but a paralegal will cost you $400+ including any fine and unless they can CONFRIM they can
get it removed and NOT just down graded its not worth it? If you have a clean record chances are they could be kind
4> BTW the option 2 on the ticket, if you go there they can do nothing OTHER than negiotae, you STILL have to go to court after youve seen the prosecutor,
several places I've seen said that its just to get your hopes up
sure others will chime in
--------------------------------------------------------------
* NO you cant touch your phone
* Speeding is speeding
* Challenge every ticket
* Impaired driving, you should be locked up UNDER the jail
oh another point... IF you DONT WANT the insurance company to increase your fees, here is a thought. 1> lay low and DONT contact your insurance. THEY will run a DMV on you IF they want, sometimes at re-newal, sometimes not. IF they ASK YOU you must TELL them (only if you get convicted) but if they DONT ASK YOU , the nyou dont need to tell them. DONT change your insurance companies, cars etc. Sometimes this is harder, they can't pro rate your charges. From what I understand, this should not cause you any problems even if you have to make a claim, because at that time you then tell them. I have heard 2 sources, 1> You must tell them 2> Dont tell them they will find out. Apparently 1's> argument is that you insurance will be void 2> says not. I'm not at expert but thats what I've been finding, others again can chime in
oh another point...
IF you DONT WANT the insurance company to increase your fees, here is a thought.
1> lay low and DONT contact your insurance. THEY will run a DMV on you IF they want, sometimes at re-newal, sometimes not.
IF they ASK YOU you must TELL them (only if you get convicted) but if they DONT ASK YOU , the nyou dont need to tell them.
DONT change your insurance companies, cars etc.
Sometimes this is harder, they can't pro rate your charges.
From what I understand, this should not cause you any problems even if you have to make a claim, because at that time you then tell them.
I have heard 2 sources, 1> You must tell them 2> Dont tell them they will find out.
Apparently 1's> argument is that you insurance will be void 2> says not.
I'm not at expert but thats what I've been finding, others again can chime in
--------------------------------------------------------------
* NO you cant touch your phone
* Speeding is speeding
* Challenge every ticket
* Impaired driving, you should be locked up UNDER the jail
my very first year in Canada (over 3 years now) I got a 3 pointer for an incorrect uturn, paid it, nothing happened with the insurance, and it came off after 2 years, 3 for insurance purposes, bugger that a few months after running clean I got anther ticket DOH The problem is IF you start accuiring convictions, (NOT POINTS) I believe if you have 3 convictions (of any kind) THEN they could refuse you at renewal so would you suggest me just pay for the ticket or go on the court? Thank you!
my very first year in Canada (over 3 years now)
I got a 3 pointer for an incorrect uturn, paid it,
nothing happened with the insurance, and it came off after 2 years, 3 for insurance purposes,
bugger that a few months after running clean I got anther ticket DOH
The problem is IF you start accuiring convictions, (NOT POINTS) I believe if you have 3 convictions (of any kind) THEN they could refuse you at renewal
TimoC wrote:
argyll wrote:
Why would you communicate with your insurance provider ? Leave it for them to find it out if and when they do a check on renewal. One ticket isn't going to break the bank on a premium and my agency don't increase at all for the first.
so would you suggest me just pay for the ticket or go on the court? Thank you!
--------------------------------------------------------------
* NO you cant touch your phone
* Speeding is speeding
* Challenge every ticket
* Impaired driving, you should be locked up UNDER the jail
I did some digging on this very issue. I spoke with the Insurance Biard of Canada who said that you did need to proactively call your broker. Then I spoke with my broker and told them what I had been told and they said I didn't have to. What an industry !
bobajob wrote:
oh another point...
IF you DONT WANT the insurance company to increase your fees, here is a thought.
1> lay low and DONT contact your insurance. THEY will run a DMV on you IF they want, sometimes at re-newal, sometimes not.
IF they ASK YOU you must TELL them (only if you get convicted) but if they DONT ASK YOU , the nyou dont need to tell them.
DONT change your insurance companies, cars etc.
Sometimes this is harder, they can't pro rate your charges.
From what I understand, this should not cause you any problems even if you have to make a claim, because at that time you then tell them.
I have heard 2 sources, 1> You must tell them 2> Dont tell them they will find out.
Apparently 1's> argument is that you insurance will be void 2> says not.
I'm not at expert but thats what I've been finding, others again can chime in
I did some digging on this very issue. I spoke with the Insurance Biard of Canada who said that you did need to proactively call your broker. Then I spoke with my broker and told them what I had been told and they said I didn't have to. What an industry !
Former Ontario Police Officer. Advice will become less relevant as the time goes by !
Wow! Thank you so much for your comprehensive suggestion! After having your suggestion, I might need to soberly think twice about this issue. Again, thank you!
bobajob wrote:
Hi Timoc
in case of reiterating, I recently got a ticket so spent my whole weekend googling.
1> (insurace confirmed with me months ago b4 offence that) demerit point is not relevant, it's the conviction, HOWEVER, they come as minor, major and serious. IF you have only 1 minor, chances are your insurance company will let you off or at most load you by no more than 15%. This is a MINOR offense, BUT it is still a conviction. Apparently copps are more likly to ticket you after your first ticket.
2> Cops are NOT supposed to tell you WHAT will effect your insurance becuase THEY DONT KNOW
3> if you can fight it and have it REMOVED then fine, but a paralegal will cost you $400+ including any fine and unless they can CONFRIM they can
get it removed and NOT just down graded its not worth it? If you have a clean record chances are they could be kind
4> BTW the option 2 on the ticket, if you go there they can do nothing OTHER than negiotae, you STILL have to go to court after youve seen the prosecutor,
several places I've seen said that its just to get your hopes up
sure others will chime in
Wow! Thank you so much for your comprehensive suggestion! After having your suggestion, I might need to soberly think twice about this issue. Again, thank you!
ok well here is my story .. I had an old megaphone from alarm system and decided since my horns on my car were rusted and were not making a loud enough sound.. i connected the alarm megaphone to the horn wires and it sounded very cool. depending on how log i hold my horn down for . due to the size of the power horn.. and mhy car being a Honda.. meaning no room under the hood i had installed it…
So I got this ticket because the lady behind me was WAY too close and I had to back up before getting hit by another car and dented her bumper.
Offense is stated as follows: Start from Stopped position - Not in Safety
Highway Traffic Act 142 (2)
First of all, I don't really know what that means and if it says that I was not in safety (which I wasn't) why am I getting a ticket? And why didn't the…
This is my first time ever getting a ticket and I am completely frustrated and don't know what to do.
On July 7th, I was driving to work, taking my usual route and it's about a 15 minute drive for me. At the first red light, I noticed I had a bit of time thanks to the countdown so I quickly reached into my bag to grab a lip balm. I noticed I had brought the wrong one so I just kept it out and…
It happened last December. I was facing north in the middle of the intersection at Donmills and McNicoll waiting to make a left turn. There was a big white van on the other side of McNicoll facing south waiting to turn left too. When the light changed to amber, I checked and the road was clear, there was no upcoming vehicle. So slowly I made the left turn. Suddenly a small car dashed up from…
First off, the most similar case and HELPFUL thread has y far come from neo333: a great read and very similar and relevant to my case and of course ticketcombat.com
I'll cole's notes this so that it can be concise and can recap my experience with disclosure, notes and failed stay request and adjourned court date. Thank you for reading and leaving your opinion.
I got a notice in the mail that trial is set four weeks from today, so it's time to request disclosure. I have zero chance of getting an 11b since trial is less than two months after the offense date and the officer did not reduce the charge. I really want to try and create delays on the trial, to reduce the chance of the officer showing up on multiple occasions. Is there any known loop-holes…
Got my first ticket last Thursday and I have a couple of questions. I was driving westbound on Moore St. (west of Bayview) and made a left onto a residential street at a 4-way stop sign. It was my first time driving through that area - was driving my girlfriend to a wisdom tooth surgery.
The police were set up to catch people, as that intersection had a no left turn sign from 7-9 am (buses…
I was in a light collision with a police vehicle last November and will be having a trial by the end of the month. What happened was I was pulled over. I stopped and kept my right signal on. The cop car then tried to pull behind me when he was on my left but 2 cars pulled behind me. The cop wasn't too smart and instead of waiting for the two cars to pull away, he drove forward and boxed all the…
A friend of mine (who is from China and with no knowledge of English at all) asked me to interpret for him on court.
He got pulled over by a stealth patrol car last october, got 3 tickets (fail to show insurance card, using cell phones and fail to stop on right for emergency vehicle) , court date is next week. He told me his insurance expired for less than a month and other charges are false…
My husband was driving my car and passed a school bus with flashing lights. He did not realize this until he was past the bus. The driver honked at him but there were no cops nearby and he didn't get pulled over. I believe the driver or witnesses reported this and we got issued a ticket in the mail. The ticket is under my name as the registered owner: charged with Fail to Stop for…
I have just got a ticket (Fail to yield on through highway) and by the way it's me first ticket and this is how I got it.
Me driving in a residential neighborhood maybe 10-15 km/h approaching a stop sign completely stopped at the stop sign started moving again turning right and out of nowhere I was hit by this van. he went directly to the driver's side fender,wheel, and bumper. Since it was my…
Hi I'm new to this forum but I hope I'm bringing you all good news.
I recently wrote a book short titled ABUSE OF POWER
This book is all about how the Ontario government broke the law to enact the new street racing legislation.
To start with the denial of the right to remain innocent until proven guilty was enacted without due process under the Charter of Rights and Freedoms. How it wasn't done…
So i lent my car to my gf the other day and she went to drop her friend at a Go station but when she was turning left into the parking lot at the Go station a bus hits her from behind while she was turning so now my rear fender is pushed in and more scrathes and my bumper is damaged...but the cop that showed up just kept telling my gf thats its her fault cause its private property...is that true…
Hi, thanks for reading. I've read a bunch of articles online and searched the forum to try and find my answers but I'm still unsure so I'm creating a new thread.
I was following a car that was going SUPER fast down the DVP but I got pulled over. I was speeding, too; however I don't want to use the "you got the wrong guy" defence because I'll probably lose.
I left my home at 4 am to pick up my daughter from downtown Toronto. When I passed the major intersection south of my house there were two police cars in the middle of the intersection and one officer waved me through the intersection.
When I returned with my daughter at 5:30 am the police cars were still in the intersection. I slowed down as I approached the intersection but the police were no…
I will be representing my wife at her speeding trial next week. Mostly everything is pretty much run of the mill but since she wasn't speeding we will be having her take the stand. Since this opens up the opportunity for the prosecutor to cross examine, I am just wondering if anyone here knows what kind of questions we should expect from the prosecutor in order to best prepare.
When the court sends out the notice of trial, do they use the address the officer wrote on the ticket, or the actual address in the MTO database? In the case of the former, what are the implications? The reason I ask is that my wife got a ticket last week and the officer wrote the wrong city on it.
This topic discusses the same thing but with CN police; is it any different for regular offences?
Driving onto ramp entering a major highway, posted limit is 100km/h, suggested ramp limit is 40km/h - I end up colliding with the concrete barrier on the passenger side of the vehicle.
Police arrive, suspect alcohol and breathalyze me with a result of 0.00 - I am asked for a statement and cautioned, however (stupidly) I proceed to provide the details anyways.
My friends and I were heading to Kelso Beach, I had signalled and i pulled off to the shoulder as my car seemed to be making noise, but after riding over the shoulder the noise stopped, i signalled back again and merged back into traffic after making sure it was safe, the officer which was ahead of me on the shoulder a few meters away pulled me over.…
I've decided to fight a traffic ticket for stop sign violation. The offense was 12 months ago, and I've got a court date for next Tuesday. I've requested disclosure and, although a bit last minute, received it two weeks before my court date.
Upon reviewing the case materials, there isn't much of a defense I can find -based on the cop having an obstructed view, or any mistakes in the…
I will be going to trial for my red light camera offence.
I'll be arguing two issues, centered on the fact that there are two essential elements of 144(18) - a) a vehicle approaching the intersection shall stop; and b) the vehicle shall not proceed until green. Both essential elements must be contravened beyond a reasonable doubt to be an offence.
1) My ticket says I (being the owner) am "charged…
I'm a newbie, so be kind if I'm messing up. Question: is it illegal to signal oncoming traffic that they are approaching a speed trap by flashing one's lights?
I ask because I was stopped for doing that yesterday evening, but did not end up with a ticket. The officer spend 5-10 minutes n his car, then sent me on my way. I'm wondering if he changed his mind or found out it was legal.
ok well here is my story .. I had an old megaphone from alarm system and decided since my horns on my car were rusted and were not making a loud enough sound.. i connected the alarm megaphone to the horn wires and it sounded very cool. depending on how log i hold my horn down for . due to the size of the power horn.. and mhy car being a Honda.. meaning no room under the hood i had installed it…