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
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