Hey guys this is my second time posting. A while back actually about 5 month ago I got a ticket for proceeding contrary to sign at intersection 144(9). When the officer was asking me for my insurance and drivers license, i did not have the new insurance slip, 
thus he also gave me a ticket for…
Hello all
(simon or anyone else can feel free to answer)
I requested disclosure of a radar manual in original disclosure request. Didn't get disclosure until trial date, so an adjournment was granted. At that time the Provincial Prosecutor stated that it wasn't his policy to release the manual to…
so last night i was driving home at around 1am
i was going 120 in a 100 when a car started tailgating me (almost bumper to bumper)
i sped up in order to put some distance between us but it wouldnt leave me alone for over 10 minutes.
i was exhausted and not paying attention to my speed guage i ended up…
Hey folks. New forumer here.
Just curious to hear a few opinions on the following video taken at a photo enforced intersection.
As you can see, the light was still yellow for a fraction of a second as the camera-car entered the intersection (crossed the stop line), but it was close.
I drive a Honda Civic and we all know how those are when it comes to theft. On my driveway my brothers car was stolen twice and once broken in to. Also a few other cars have been stolen on my street. I have an alarm and all that. But say my alarm was going off and I ran outside and fought off the…
Hello all, yesterday I received a ticket for parking in a handicapped spot outside of school. I was done classes and had to load up my van with some very heavy and awkward items for transport. I had been parked in the garage across the street for the duration of my classes and decided to bring…
Sometimes I find plain simple English not quite so simple:
Green arrow(14) Every driver approaching a traffic control signal showing one or more green arrow indications only or in combination with a circular red or circular amber indication and facing the indication may proceed only to follow the…
Hi, recently I was driving home around 2:30pm from the bus stop I drive to in order to bus to school. I was traveling down Kennedy just past 19th seatbelt on, doing the speed limit. About one and a half kilometers past the intersection of Kennedy and 19th a fox sprinted across the road. I swerved…
Points erased, insurance still increased??
Good Evening everyone.
My mom was charged this past winter with improper/unsafe lane change after a minor accident this past winter. She met with the prosecutor yesterday and had the ticket reduced to a lesser fine which has no demerit points tied to it. She was informed by her insurance company that her premium has increased $800 because of the accident even though a claim was not made to repair her vehicle. Could someone please shed some light on how this is possible?
Re: Points erased, insurance still increased??
Insurance companies look at all HTA convictions, not just those with demerit points. I also believe they look at all reported accidents, regardless if a claim was made or not.
Re: Points erased, insurance still increased??
Demerit points is a Ministry of Transportation penalty system to help promote safer driving and to penalize those who are too reckless. They mean nothing to insurance companies. Insurance companies don't look at your points and they don't care about your points. Points stay on your record 2 years from the date of the offense, not the day you were convicted. Points are overrated. They are only a problem for novice drivers and people who shouldn't be on the road in the first place. Majority of drivers will never collect enough points for it to be meaningful, while those that do certainly deserve what's coming to them.
Insurance companies only want to see your convictions. From there, they place your convictions in a bracket (eg. minor, major, and see you later). Insurance companies base their pricing on risk. People who are charged with driving offenses are more likely to require some sort of payout during the time their insured. If someone has multiple charges for speeding between 1-15km, they are a bigger risk than a person with none, even though they carry zero demerit points. It's quite possible to be dropped by your insurance company for multiple convictions carrying zero points.
Re: Points erased, insurance still increased??
plus she is still at fault for the collision.
ops
Re: Points erased, insurance still increased??
Thanks for the information!
As per OPS Copper's post, what about 'no fault insurance'?
Re: Points erased, insurance still increased??
The term "no fault" is a bit misleading. It simply means that regardless of who is at fault in an accident, you deal with your own insurance company. Your company will pay for all your losses rather than requiring you go through the at fault drivers company. Also note that even if the police dont lay a charge, the insurance company will still typically assign fault to someone. They have their fault determination rules (http://www.e-laws.gov.on.ca/html/regs/e ... 0668_e.htm) which lists various accident scenarios and show how much fault to assign a driver.
Re: Points erased, insurance still increased??
Would something like a failure to provide proof of insurance warrant an insurance increase?
Re: Points erased, insurance still increased??
Yes. The Insurance Bureau of Canada has a FAQ here: http://www.ibc.ca/en/Car_Insurance/docu ... re_Eng.pdf
Page 12 lists many of the common offences that can impact your rates. Failing to provide proof of insurance is on the list of minor offences.
Now depending on your provider and policy, they may overlook a minor offence, but it has the potential to increase your rates.
