Search found 24 matches

bonnierichards9519 wrote: Tue Jun 30, 2020 1:38 am Suddenly I increased my speed to 120 km per sec.

You were doing Mach 350? How did the police ever catch you?

Careless Driving is definitely an insurance premium destroyer. If you're with a standard insurance company you won't be on renewal as they won't renew (they might not anyway with two at fault accidents in the last 5 years) with that conviction on your record. This means you're off to the high risk market with a serious conviction surcharge ...

The jurisdiction that issues the license is the jurisdiction you need to deal with to get your license reinstated. I'm sure the letter you received informing you of the suspension should indicate who that is.

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 adding a surcharge or even not renewing the policy,

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.

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 not issue for unpaid fines. In Ontario, the MTO ...

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 on, but most won't pull it every year so it could ...

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 cause you to lose the discount and your premiums go ...

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. If it's the latter how would the officer know they ...

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?

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.

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 having one minor on your record might not affect ...

I can't see responses either.

"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 deductible, then she can report it to the insurer ...

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 the letter I got from her lawyer back when I ...

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 to is an actual adjuster from TD and that your ...

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.

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 light (i.e. to them) and I had jumped a red ...

You can figure out the time based on the frames per second the video was shot at. So if the video was shot at 30 frames per second, and it took 60 frames for the object to pass between the two points you are using to measure distance, then you know it took 2 seconds for the object to pass between he two objects. However if the camera wasn't sitting ...

The only electronic liability cards that are approved for use is the liability cards that Uber drivers use to show that they are insured under Uber's policy with Intact insurance. This was approved by The Superintendent of Insurance July of last year. Uber drivers still have their paper liability card from their primary insurer, however they are ...

How much a minor ticket like following too closely will affect your rates depends on i) which company you are insured with, ii) how many years you have been licensed and iii) what your driving record was like before you received the ticket. My first point is because some insurers offer a conviction free discount, some do not, Some insurers will ...

It doesn't hurt to send in the video to the adjuster however it is unlikely your daughter would be able to deemed not at-fault. The best she could hope for is 50/50, but that is a long shot as that situation is described in the Fault Determination Rules. So unless the other vehicle is insured outside the province the insurers will follow the Rules ...

I will not address the possibility of being charged as others have addressed this issue. However I will address this question:

<<Will my vehicle still get damages fixed if I am deemed 100% not at fault?>>

Section 265 (7) of the Ontario Insurance Act states:

No person has a right of action against any other person in respect of damage to an ...

Section 2 (2) of the Compulsory Automobile Insurance Act (CAIA) states:
For the purposes of subsection (1), where a permit for a motor vehicle has been issued under subsection 7 (7) of the Highway Traffic Act, "contract of automobile insurance", with respect to that motor vehicle, means a contract of automobile insurance made with an insurer ...