Thanks all, That clarifies things. Squishy, I didn't know the collision centres ever reported them for you (but then again I've only had one other incident and called them immediately myself anyways). I'll see if I can dig out my contract, or call and ask tomorrow. It would be annoying to have my ra...

Well three is not to crazy, same as a speeding ticket I think. No I haven't called insurance. The cop who took my statement said I did not have to so I was not planning on doing so...so now I'm confused, I've never actually heard of the insurance act. Also any idea how long the points and charge sta...

Long story short I've been given a ticket for "Failure to furnish required information" under section 199 (1) and am charged $110 (related to an accident). I'm wondering 2 things: Are there demerit points associated with this and how long does this stay on my record? ( I asked the second b...