Sorry let me clarify. I was referring to the demerit points - do they affect insurance rates in Ontario.

I would like not to have them of course. But should I put effort into getting rid of possible or just trying to lower the fine?

On September 19, 2018 I was pulled over and given a ticket for a holding a hand-held communication device. I was in the left hand turning lane with 5-6 cars in front of me. I unfortunately and mistakenly picked up my phone to look at gas prices (obviously in hindsight not important and could've wait...