You're thinking backwards here, but you're not alone. Lots of people think demerit points are the worst part of a ticket. For the most part, they are useless.ron58 wrote:I'm not worried about the fine, I just don't want the points because it is my first ticket and It will affect my insurance a lot since I am a student. Is there any way I can talk to the officer and get my points deducted? I chose option 2 on the ticket for early resolution.
Insurance doesn't care about points. They don't calculate them, they don't use them, and they don't need them. Demerit points are a penalty system used by the government to punish repeat offenders. That's it. They are the only ones calculating your points. Unless you are classified as a Novice Driver or someone who can't stay out of trouble, they are considered mostly useless. It's quite possible the majority of drivers out there wont collect enough demerit points in their lifetime to warrant a mandatory suspension, never mind the fact they expire 2 years from the day you were pulled over.
Insurance only looks at your convictions. How they decide to proceed is up to them. As Stanton pointed out, show them valid insurance at your meeting for the time you were pulled over. They'll likely toss it if you plead guilty to the remaining charge.
If you're thinking you'd be better off with 2 convictions with zero points versus one conviction with points, you'd be dead wrong.