Search found 21 matches

by QBall
Tue Sep 10, 2019 3:54 pm
Forum: Improper use of high occupancy vehicle lane
Topic: Chances of fighting a HOV violation (154.1 (3))
Replies: 2
Views: 253

Re: Chances of fighting a HOV violation (154.1 (3))

HOV occupancy violations are minor convictions for insurance, however if you have other moving violations in the last three years or any at-fault accidents in the last six adding another moving violations, even a minor one, can be the straw that breaks the camel's back in terms of your insurer addin...
by QBall
Wed Jun 26, 2019 3:24 pm
Forum: General Talk
Topic: MTO gave me the wrong sticker - place your bets!
Replies: 6
Views: 457

Re: MTO gave me the wrong sticker - place your bets!

I guess it would depend on what was registered on the MTO computers. If the agent gave you a 2020 sticker but entered into the system the expiry is 2019 then you would receive a renewal notice in 2019.
by QBall
Wed Jun 26, 2019 3:21 pm
Forum: Driving While Suspended
Topic: Does an Ontario license suspended in quebec for unpaid fines affect driving in Ontario
Replies: 3
Views: 1385

Re: Does an Ontario license suspended in quebec for unpaid fines affect driving in Ontario

Quebec has a reciprocal agreement with Ontario, so Quebec will provide Ontario with the conviction information and this will be recorded onto the Ontario driver’s licence record and the applicable demerit points will be applied. However Quebec does not have the authority to suspend a license it did ...
by QBall
Fri Jun 14, 2019 4:46 pm
Forum: Driver failing to wear a seat belt
Topic: Passenger Seat Belt Ticket - Insurance Rates Impact
Replies: 3
Views: 544

Re: Passenger Seat Belt Ticket - Insurance Rates Impact

I don't know if Desjardins has a conviction free discount so I can't say whether this ticket on your record will affect your premium. You do not have to inform the insurer of the conviction. Some insurers will pull your Moving Violations Record (MVR) before the renewal to confirm what's been going o...
by QBall
Tue Jun 11, 2019 3:24 pm
Forum: Driver failing to wear a seat belt
Topic: Passenger Seat Belt Ticket - Insurance Rates Impact
Replies: 3
Views: 544

Re: Passenger Seat Belt Ticket - Insurance Rates Impact

It will depend on: a) will this ticket go on your Moving Violations Record (I am assuming yes); b) which insurance company you are insured with; c) what your record was like before you obtained this ticket. Some insurance companies offer a conviction free discount so being convicted of this could ca...
by QBall
Tue May 14, 2019 1:04 pm
Forum: Driving While Suspended
Topic: Summons issued 5 days after alleged offence? Is this legal?
Replies: 2
Views: 489

Re: Summons issued 5 days after alleged offence? Is this legal?

Do you mean driving without a valid license (i.e. suspended license) or driving without having the physical license on their person (i.e. left it at home)? If it's the former if the officer knew the driver and knew their license was suspended (maybe from a previous interaction) then I would say no. ...
by QBall
Thu Apr 25, 2019 12:14 pm
Forum: Criminal Offences
Topic: I was involved in a major accident and i don’t know if I will be charged or not.
Replies: 10
Views: 725

zman2000 wrote:
Fri Apr 19, 2019 12:17 am
There has been no police report yet and the other party hasn’t filed a claim and it’s been over 2 weeks now, but my insurance company said they’re deeming me at fault until the police report comes in because I made a left hand turn... this is b.s
Did you submit the video you have to the adjuster?
by QBall
Thu Mar 07, 2019 3:38 pm
Forum: General Talk
Topic: No Front Licence Plate - Constitutional Challenge
Replies: 2
Views: 886

Re: No Front Licence Plate - Constitutional Challenge

You might want to find a retired Ontario Superior or federal Supreme Court judge and consult them because, to me, all of your arguments presented are either irrelevant or are not subject to the Charter of Rights and Freedoms.
by QBall
Wed Feb 20, 2019 4:34 pm
Forum: Exceeding the speed limit by 30 to 49 km/h
Topic: Exceeding speed limit by 36km/h in a 80km/h zone - Disclosure included
Replies: 2
Views: 845

Re: Exceeding speed limit by 36km/h in a 80km/h zone - Disclosure included

Without knowing who you are insured with and what your current driving record is like it is near impossible to say. Knowing who you are insured with is important because every company has different underwriting rules. 36 Km/H over is a minor moving violation, however with some insurance companies ha...
by QBall
Wed Jan 23, 2019 12:25 pm
Forum: General Talk
Topic: Someone hit my mom's car under the underground parking
Replies: 2
Views: 701

Re: Someone hit my mom's car under the underground parking

"1, call go to collision report center ?" She will have do this if she plans to make a claim under insurance, however with no plate number of the other vehicle there isn't much the police can do "2, call insurance ?" If your mom has Collision or All Perils coverage, and the damage is over the deduct...
by QBall
Tue Apr 10, 2018 12:49 pm
Forum: Careless Driving
Topic: careless driving because pedestrian claims my car hit her
Replies: 86
Views: 11503

Re: careless driving because pedestrian claims my car hit her

Hi Everyone, It's been a while since I have been active on this post. Hoped I would never have to deal with this case again but I just got served with papers because the lady wants to sue me for personal injuries. I already contacted my insurance and sent them the papers. What I find weird is that ...
by QBall
Fri Nov 17, 2017 12:31 pm
Forum: General Talk
Topic: Insurance claims I was in an accident?
Replies: 4
Views: 1174

Re: Insurance claims I was in an accident?

A hit and run with injuries means there must be a police report. If there was a police investigation I find it odd that no one from the police would have contacted you. I would contact TD Insurance's main claims number at 1-866-454-8910, and confirm wit someone there that the person you are speaking...
by QBall
Mon Jul 17, 2017 9:45 am
Forum: Improper driving when road is divided into lanes
Topic: Ticket while merging onto Highway
Replies: 16
Views: 2420

Re: Ticket while merging onto Highway

aminhamza95 wrote:For insurance purposes, does the ticket remain for 3 years from the date of conviction or the date of offence? Thanks!
Date of conviction, because that's the date the MTO uses on the Motor Vehicle Record.
by QBall
Tue Jul 11, 2017 10:52 am
Forum: General Talk
Topic: Fault determination - T bone
Replies: 14
Views: 1486

Re: Fault determination - T bone

i> insurance asked me "do I know if the other driver was charged", how would I know? They usually split up the parties, so an interesting question Then just say "I don't know" 2> The details are 100% correct as I said, but lets just give a "hypothetical" i> other driver says they didnt jump a red l...

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