Ontario Highway Traffic Act

btw, if this is your first claim with them and no HTA offences actively on file, you may have only a minor premium increase or none at all. Depends on the company.

For example, my insurance (no names as I'm not trying to promote any company) offers a "no premium increase on the first at-fault claim"

Every insurance company's internal policies are different. They have different rates and tolerances for accidents, claims, frequency, driving history, etc. Some are "tougher" than others. So you should consult your specific insurance company.

You can call and put a "general" inquiry, without giving your name, on what that insurance company's policy is regarding the type of situation yours is. i.e. a hypothetical question to them. They should be open about their policies but not all are. Good luck.

Unfortunately the number of claims and frequency can impact your insurance, regardless of who's at fault. You may want to check with your insurance to see what impact this incident may have. GL

Wow, what a tough break. Wrong place at the wrong time. As there were no charges, that's one thing in your favour. It appears the insurance may rule in your favour as well. Good luck, hope it works out for you.

Sorry but by the evidence you provided, it appears your daughter did commit an offence. I'm not a legal expert so you should probably seek professional advice.

You said she switched to the right lane to pass because the other drivers slowed down below the speed limit - probably because they saw the officer and knew to slow way down. Her immediate ...

Thank you.

HwyBear, I seem to remember reading a post from you a while back, that indicated demerit points stay on record for 2 yrs from the date of conviction. Which is correct: date of conviction or date of infraction?

Thanks.

Question: I received a ticket in Quebec back in June 2009 and pled not guilty. Due to backlog in Quebec courts, it was finally resolved (i.e. I pled guilty to a lesser infraction) in Oct 2011. The infraction was 3 demerit points.

From what you're saying, I would not have any demerit points on my license at this time?

In truth, what I think is irrelevant. What the judge finds is of greater importance. You also mention your address on DL as well. You may be questioned on why the previous (false) address was on your DL and insurance and your answer may be relevant to the case. Again, I'm not a legal expert. You may want to seek legal advice though.

As well, most of the systems I'm familiar with only record tickets issued, not the outcome in Court, so it wouldn't be an accurate conviction record.

Thanks Stanton. I think this point clarifies it for me - the disposition of the infraction is not included so this would not be helpful in court, but more of an indication of an offenders past. As ...

I'm not an expert but if you provide an address, that is not your current, active one, to avoid paying higher insurance premiums, that's fraud. If your insurance found out, it would not be good. And revealing this information in court would also likely not be good. Just my 2 cents and is in no way an expert, legal opinion.

Much thanks for the clarification hwybear.
I have heard that some agencies record highway tickets in their systems - sometimes bulk loaded. Although this may not constitute a driving record, it still is a record of offences, no? Thks again.

Many thanks manwithaplan.

OK, I think I found the answer buried in several old threads:

1. a. Record will stay forever on the database of the police agency that charged the offender (with the exception of the RCMP which is governed by federal retention rules. I would imagine this rarely applies in Ontario though, since the RCMP patrols relatively few roads in Ontario ...