Everyone wants to know how tickets will affect their insurance rates. Even drivers who have a clean driving record want to know, just in case they get a ticket or traffic conviction in the future.
We all know that, as a driver, you’re expected to safe driving in Ontario. And if you don’t know the rules of the road or don’t always follow them, you are putting yourself and others at risk. You also run the risk of getting a ticket or traffic conviction which can increase your car insurance rates.
The following takes a look at which kind of traffic tickets affect insurance and the impact of convictions for Ontario drivers.
Which Kind Of Tickets Affect Insurance?
Do all tickets affect insurance? This is a common question we get from our policy holders in Ontario. The answer is that it depends on the type of traffic ticket you receive.
Traffic tickets are divided into three main categories – minor, major, and serious convictions. Each of these types can affect your car insurance rates, regardless of the number of demerit points or the severity of the fine associated with the traffic infraction.
Here’s a breakdown of some examples of the types of convictions :
Serious Or Criminal Conviction
DUI, blood alcohol over .08 Speeding over 50 kms above posted limit Driving uninsured Refusing a breathalyzer Failing to remain at an accident Racing
Distracted driving G1 driver driving unaccompanied Fail to obey school crossing stop sign Failure to report an accident Improper passing of a school bus Improper passing/speeding in a school or playground zone
Backing up – unsafe, illegal, improper Brakes – none, inadequate, improper Crowding driver’s seat Door opening – illegal, obstructing traffic Other moving offences – speeding, failure to stop at stop sign Driving imprudently
Goal: Case Dismissed is a legal firm built and focused entirely on the mission to be one of Ontario’s top traffic ticket defence offices, and the number one choice for motorists looking for affordable and qualified representatives for their traffic tickets. All legal representation provided by Goal: Case Dismissedd is conducted by agents fully licensed and authorized by the Law Society of Upper Canada. Should I Fight My Traffic Ticket? While this decision is ultimately up to you, there are many factors that you should consider. Beyond the fact that the ticket can damage a good driving record, there could also be financial implications that extend for years. It is important that you analyze all of your options and make a decision. Should you take a chance with attending court unrepresented? Should you first speak to one of the qualified and licensed court agents at Goal: Case Dismissed? Is Goal: Case Dismissed the right legal firm for me? Why Should I Choose Goal: Case Dismissed? As you know, there are many options for traffic ticket defence firms. So, why should you choose Goal: Case Dismissed? We know that not every case is the same. We spend the time to LISTEN to you and YOUR case. We then build your defence using legal arguments, case law and experience with a focus on your desired outcome. We are AFFORDABLE. You are already facing the financial hardship of a possible fine and increased insurance rates. Lets work together and keep your costs as low as possible. We realize that the reason you are hiring us is to SAVE money, not waste more of it. We are available to answer your questions. One of the biggest complaints with legal professionals is that they are difficult to get hold of. You will not find that with Goal: Case Dismissed. We are responsive and willing to discuss your questions or concerns. You will be given frequent updates about the progression of your case. Goal: Case Dismissed understands that automobile Insurance Rates are high enough. We will do everything in our power to keep your insurance rates as low as possible. Many offences under the Highway Traffic Act include Demerit Points, which can impact your driving record for years. Goal: Case Dismissed can assist you in keeping these points off your driving record. We provide FREE consultations. Lets talk. Even if you decide not to have Goal: Case Dismissed defend you with your ticket, we can at least steer you in the right direction. Give us a call or contact us online. We understand the law and traffic court procedures. The legal system can be intimidating. Let us do the heavy lifting and ease your mind knowing that we are acting in your best interest. In most cases, you do not even need to attend court. What are Demerit Points? Demerit Points accumulate on your driving record when you are convicted of certain driving-related charges, such as careless driving or speeding. The amount of points assigned to each offence is determined by the Ministry of Transportation, not the court. Demerit Points will remain on your driving record for 2 years following the date of the offence – not the date of conviction. Depending on what type of license you have, you can face suspensions if you accumulate too many Demerit Points. For someone with a full G License, you may be called into the Ministry of Transportation Office for an interview where you have a chance to argue why you should not have your license suspended after 9 demerit points. At 15 demerit points, a driver will face an automatic 30 day suspension. For someone with a G1 or G2 license, you may be called into the Ministry of Transportation Office for an interview where you have a chance to argue why you should not have your license suspended after only 4 demerit points. At 9 demerit points, a novice driver will face an automatic 60 day suspension. If a driver suffers a 2nd demerit point suspension, it will result in a 6 month license suspension. Goal: Case Dismissed takes all the steps necessary to avoid demerit points and protect your driving record, which can ultimately avoid a licence suspension. Goal: Case Dismissed prides itself in providing professional and skilled representation throughout the process of fighting traffic tickets for our clients. To obtain more information, or to receive a FREE consultation, call us toll-free at 705-688-1818, using our local number to you, or by contacting us online. ~We Fight any and ALL Traffic Tickets~ Goal: Case Dismissed Traffic Ticket Defence has been providing legal defence and fighting all of Ontario traffic tickets for many years. We will defend all Ontario traffic tickets for our clients. Our proven track record will help to put you at ease. Every client we have is given the same service with our Goal being to have your charge dismissed. In addition, every one of our clients has complete access to our office when ever they have a question or concern (even after hours or on weekends). We want to take the burden of fighting this battle on your own- We want to work for you. If you have received a traffic ticket anywhere in Ontario don't automatically assume you're guilty. Most likely your conviction will lead to more severe consequences than the set fine amount on your traffic ticket. Fight your traffic ticket with Case Dismissed, your leading area expert. With a free consultation we can advise you information regarding your traffic ticket and what implications it has on your driving record. Toll Free: 1-866-939-4667 *Payment Plans* Why hire somebody to fight my ticket when I can just do it on my own? -There are so many different aspects to a traffic ticket and the procedure that a person who is unfamiliar with system can get lost in. The Prosecutor or the Crown won't give you the knowledge you need to know regarding the process and the importance of the officer's information. Many things could be overlooked and could lead to a blemish on your driving record. Expert Service You can Trust! 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Areas of Service: Northern Ontario locations including Sudbury, North Bay, Marten River, Temagami, Latchford, Haileybury, New Liskeard, Kirkland Lake, Cochrane, Kapuskasing, Hearst, Timmins, and Chapleau. Central Ontario locations including Orillia, Parry Sound, Gravenhurst, Bracebridge, South River, and Sundridge. North-Eastern Ontario locations including Mattawa, Deep River, Renfrew, Petawawa, and Pembroke. North-Western Ontario locations including Sturgeon Falls,West Nipissing, Field, Verner, Markstay-Warren, Esanola, Elliot Lake, Blind River, Ignace, Dryden, Thunder Bay, as well as other satellite court locations.