Hope everyone is well: My name is Bill and I am doing a research project at a leading Canadian university on the on the ways that "WARN" BAC offences change insurance rates. If you have been found at fault on the road side for this offence and you have seen a rise in your insurance rates I would be interested to at least get some anecdotal comments about the increases you faced. If your offence was not just exclusively a WARN please not that in your answer. Thank you all in advance for your participation.
Hope everyone is well:
My name is Bill and I am doing a research project at a leading Canadian university on the on the ways that "WARN" BAC offences change insurance rates. If you have been found at fault on the road side for this offence and you have seen a rise in your insurance rates I would be interested to at least get some anecdotal comments about the increases you faced. If your offence was not just exclusively a WARN please not that in your answer. Thank you all in advance for your participation.
Unless you hold a license with alcohol restrictions (zero), blowing a warn should have zero impact on your insurance. It's an administrative suspension. Administrative suspensions can be given out for multiple reasons, and as far as I know, those reasons aren't disclosed on your abstract. There's no trial and no conviction. An insurance provider is not supposed to use any administrative suspension that lasts less than 12 months for the purpose of determining risk classification according to the Financial Services Commission of Ontario. Even for those lasting longer than a year have to go through an approval process with the FSCO. That being said, it would not surprise me to hear about providers that are ignoring these rules. Hopefully some people here can help you out with your project.
Unless you hold a license with alcohol restrictions (zero), blowing a warn should have zero impact on your insurance. It's an administrative suspension. Administrative suspensions can be given out for multiple reasons, and as far as I know, those reasons aren't disclosed on your abstract. There's no trial and no conviction. An insurance provider is not supposed to use any administrative suspension that lasts less than 12 months for the purpose of determining risk classification according to the Financial Services Commission of Ontario. Even for those lasting longer than a year have to go through an approval process with the FSCO.
That being said, it would not surprise me to hear about providers that are ignoring these rules. Hopefully some people here can help you out with your project.
Blowing a warn is not an offence for a fully licensed driver in Ontario. Each time you are caught in the warn range you will receive an extrajudicial series of escalating sanctions (suspensions and eventually mandatory treatment programs) that if you comply with them, they cannot be used against you from an insurance standpoint as bend said.
Blowing a warn is not an offence for a fully licensed driver in Ontario. Each time you are caught in the warn range you will receive an extrajudicial series of escalating sanctions (suspensions and eventually mandatory treatment programs) that if you comply with them, they cannot be used against you from an insurance standpoint as bend said.
Ok, so today i was driving down steeles ave and i got pulled over, the officer approached me and got my license and pulled it up.
he came back and said my license is suspended :O i had no idea or else i wouldnt be driving at all.....the reason for the license suspension was unpaid fines....
Hi everyone, after 12 years of clean driving, I got my first ticket. I had stepped out to grab a bite and left my valid licence in my other pocket. I had an expired "valid photo ID" licence in my vehicle that I keep just in case I need photo ID. I gave the officer that one and I told him my valid…
My teenager was in an accident last Sept where another car was rear-ended.
It was an accident in every sense...it was the middle of the weekday and the kids were looking for a chip truck in durham region. No speeding or racing, they were distracted trying to find it in an unfamiliar town and…
I was served with a Fail to Surrender Insurance Card (S3(1) of Compulsory Auto Insurance Act). He received it within the jurisdiction of Barrie POA. The trial is scheduled for November 14 2017.
I was stopped by Barrie OPP on my way back from a weekend up in Midland ON on June 28, 2017 and…
this is ALL I got in terms of notes. No record of calibration before or after.
my question is, should I send a second request for the officer's notes from the day? or can I run with this and press the point that he didn't test the unit before or after?
Friend of mine was stopped and asked to blow into alcohol test meter just because he said he had 2 drinks earlier in the night (like 4,5 hours before being stopped). He wasn't behaving erratic or driving out of line. The officer said he noted him to pull behind few parked cars and then…
Hello everyone I'm not sure if this is the right place to put it but I need some answers as I'm very scared and don't know what to do. Recently if got a Novice Driver B.A.C Above zero I am 23 years old and I'm pretty due to get my G class license in a couple of weeks. I understand that I was wrong…