Plea to non-HTA offence? Or non moving violation?

Moderators: admin, hwybear, Radar Identified, Reflections, bend, Decatur





iFly55
Sr. Member
Sr. Member
Posts: 561
Joined: Mon Nov 29, 2010 7:08 pm

Posting Awards

by: iFly55 on
Wed Oct 21, 2015 11:44 pm

http://assets.ibc.ca/Documents/Brochure ... FAQ-ON.pdf

Insurance companies have three categories: minor, major and serious. Dirty plate would be under the minor category and can still increase your rates. Speeding +49km/hr and driving with dirty plate could still be under the "minor category". They don't set different premiums for moving and non-moving convictions; if you're charged under the HTA, it's all the same.

Companies like State Farm will cancel your policy if you collect 3 minor convictions within the same window. Major and Serious convictions will generally result in your policy getting cancelled or +100% surcharges so that you will cancel.

If your charge is related to a sign, there's a small chance they could amend it to the by-law for the sign. It never hurts to ask, but you will not get an amendment to a completely unrelated charge.


Jonny042
Newbie
Newbie
Posts: 9
Joined: Sat Oct 17, 2015 1:49 pm

by: Jonny042 on
Thu Oct 22, 2015 9:21 am

Thanks for the advice!

Anyone know the complete ins and outs for Allstate? It seems as though I won't take a hit for a single minor offense, but not sure about a second one.

I've been trying to clean up my act (successful!) but mistakes can happen (both by the OPP and myself!)


jsherk
High Authority
High Authority
Posts: 1722
Joined: Thu Jul 26, 2012 1:18 pm

by: jsherk on
Thu Oct 22, 2015 9:23 am

In the USA a lot of the prosecutors will offer to exchange your driving charge to a parking violation charge (with same fine amount) in exchange for a guilty plea.

However I have never heard of that happening in Canada. Either they are not allowed to do it, or just won't.
+++ This is not legal advice, only my opinion +++


hecubus
Jr. Member
Jr. Member
Posts: 32
Joined: Fri Jan 18, 2013 4:53 pm

by: hecubus on
Thu Oct 22, 2015 11:52 am

Jonny042 wrote: Anyone know the complete ins and outs for Allstate? It seems as though I won't take a hit for a single minor offense, but not sure about a second one.
I don't have any details re: how Allstate treats convictions, but I discovered that my insurance company provides a "conviction free discount" of 15%. In other words, a single conviction will result in losing the 15% discount. Of course, additional convictions will result in further premium increases, but I found the "conviction free discount" an interesting twist.


Post Reply
  • Similar Topics

Return to “General Talk”

Who is online

Users browsing this forum: No registered users and 14 guests