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Ticket Trauma

March 19, 2008

Here are a few little known facts about tickets:


1) Tickets stay on your driver abstract for 3 long years. Suspensions stay on for 6 years. If you are fighting a ticket, it’s important to know that the "date" insurance companies look at is the date you are convicted, not the date the ticket was written.  


2) There are new, stricter, consequences if you are caught speeding 50km over the speed limit.


- Your vehicle will be towed on the spot and you must pay the towing fees.

- Your vehicle will be confiscated and stored for 7 days and you’ll have to pay for the storage cost.

- You could face fines from $2,000 to $10,000.

- You could face possible jail time and your insurance rate may end up increasing over 300%.


3) Any passengers under the age of 16 caught not wearing their seat belt will count as a ticket against your driving record.


4) Tickets affect your insurance rates differently from insurance company to insurance company. Approximately 50% of insurance companies can increase your rates by $500 for having only one ticket. All insurance companies will increase your rates for two tickets, up to $1,500; while 3 tickets could cause a cancellation.


Some insurance companies will not renew your policy if you obtained 3 or more tickets within 3 years. So, if you get pulled over and ticketed for:


- driving with no passengers in the "High Occupancy Vehicle" (HOV) lanes; and

- driving with an obstructed view; and

- driving with a dirty license plate, then


That’s 3 strikes…and you’re out! 


5) Photo radar tickets have absolutely no affect on your insurance rates. This is because only your vehicle can be identified, not the driver.


6) If you’re convicted of driving without car insurance, you could be fined up to $5,000. Trying to get insurance after that will be expensive for at least 3 additional years.


The OPP recently ticketed 22,000 people for driving without insurance.


If you’re currently driving without insurance, go to InsuranceHotline.com right now and get a quote for liability coverage only with no collision or comprehensive coverage, and you should be able to find an affordable insurance rate.  


  • Jay

    My dad had an accident 2 weeks ago. He doesn’t have a collision coverage for his car because its old. He ending up paying for towing and storage fees for 2 weeks. Is there a way to get a reimbursement from the insurance company? All he have under his insurance is liability and comprehensive option.

    Thanks in advance.


  • Nick – InsuranceHotline.com

    Hello Jay,

    Since we do not know your policy details, this is definitely a question for your insurance broker.

  • Lisa

    If I got caught driving without insurance, but I didnt know that my insurance was cancelled, and I got convicted anyway, can I fight the courts decision?

  • Nick – InsuranceHotline.com

    Hi Lisa,

    You would have to speak with a traffic ticket specialist, such as OTT Legal or Pointts.

    Thank you.

  • Sophie

    I got pulled over and ticketed for no proof of insurance. I have insurance but my pink ticket expired as I have not changed it. Can I get rid of this fine?

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello Sophie,

    You can contact your insurance ombudsman at http://www.giocanada.org/ to discuss or dispute anything regarding your insurance, even after the fact.

  • http://www.insurancehotline.com/ InsuranceHotline.com


    If it is your only ticket, It may affect your insurance premium if your insurance company penalizes for one ticket. Each insurance company’s rules can be different for this. If you have more than this ticket on your record, it could affect your premium.

    Thank you

  • dude

    i have been driving for 43 years with very few tickets and no accident’s,a Cop nailed me for failing to stop at a red light,the cop asked me why and i told him down grade going into the light and could not stop,so i had no choice but to go through,he gave me a $345.00 ticket,i will fight it but have no faith i will win,so now on to my insurance company,i will have to wait to see if they hold this against me and raise my insurance,this is nothing more then Extortion by the legal system and the Insurance company,so i will fight back this way,one by canceling my insurance for 3 years to punish them for being Opportunists and Extortionists,or switch my house and Auto to another company,fight fire with fire……………….

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