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Tickets and Your Insurance Rates

June 12, 2009

parking ticket on windshield

“Forget About World Peace…Visualize Using Your Turn Signal.”

Tickets issued under the Highway Traffic Act, Insurance Act or Criminal Code appears on your driver abstract and affects your insurance rate.

Car insurance rates between auto insurance companies can vary by hundreds, even thousands of dollars. The easiest way to find which insurance companies offer the lowest prices is to do an online rate search. InsuranceHotline.com offers free rate searches for consumers. This article tells you the types of tickets that affect your insurance rate.

Ticket Classifications:

Tickets are divided into 3 classifications: minor, major and serious convictions, which include criminal acts. All ticket classifications, regardless of demerit points, affect your insurance rate.

Parking Tickets:

Parking tickets do not affect your driver’s license, insurance record or appear on your driver’s abstract. The only consequence of not paying a parking ticket means that your license plate will not be renewed. In other words, you will not be able to get your renewal "sticker" unless you pay for your parking tickets.

Minor, Major and Serious Convictions:

Here’s a list of the ticket classifications and the various types of minor, major, serious, and criminal convictions that will affect your insurance rate:

Minor Tickets

  • Crowding Driver’s Seat
  • Defective Brakes
  • Drivers License Violations
  • Failing To Share The Road
  • Failing To Signal
  • Failure To Use Seatbelts
  • Failing To Yield
  • Failing To Yield To A Pedestrian
  • Failure To Surrender Your License
  • Failure To Produce Evidence Of Insurance
  • Failure To Produce Or Carry Insurance Card
  • Following Too Closely
  • Headlight Offenses
  • Improper Driving In A Bus Lane
  • Improper Lane Change
  • Improper Opening Of Door
  • Improper Passing
  • Improper Towing
  • Improper Turn
  • Improper Use Of Divided Highway
  • Insecure Load
  • Obstructing Traffic
  • Overloading
  • Use Of Radar Warning Device
  • Improper Railway Crossing
  • Speeding
  • Stop Sign Infraction
  • Traffic Light Infraction
  • Trailer Passenger
  • Unnecessary Noise
  • Unnecessary Slow Driving
  • Unsafe Move
  • Unsafe Or Prohibited Turn
  • Unsafe Vehicle
  • View Obstructed
  • Wrong Way On One Way
  • Obstruction Of View
  • Obstruction Of License Plate
  • Driving without an up to date Inspection Sticker

Major Tickets

  • Speeding 60 mph over posted speed limit (or set limit in your province)
  • Failing To Report An Accident
  • Failure To Report Damage To Highway Property
  • All Insurance Offenses
  • False Statement Of Insurance
  • Operating Motor Vehicle With No Insurance
  • Driving With No Insurance
  • Produce False Evidence
  • Driving In Contravention Of Restrictions
  • School Zone, Improper Passing Zone
  • School Bus, Improper Passing, Fail To Stop
  • Speeding in a construction zone is double the fines and points

Serious & Criminal Tickets

  • Driving Impaired, Blood Alcohol Over .08 (or set limit in your province)
  • Careless Driving; Undue Care Or Attention
  • Criminal Negligence
  • Dangerous Driving
  • Driving While Under Suspension
  • Failing To Obey Police
  • Failing To Remain At An Accident Scene
  • Motor Manslaughter
  • Racing
  • Refuse Breathalyzer
  • Stunting / Drag Racing
  • All Serious Convictions; Can Be Unspecified

License Ramifications

Driver’s Abstract, What Is It? It’s a document issued by your province’s Ministry of Transportation that reports on the status of your license. It states the type of license you have, and lists all the tickets you’ve been convicted of in the last 3 years. It lists your renewal date, the date you were first licensed and any license suspensions, or reinstatements.

For a small fee, usually around $10, you can get your Driver’s Abstract from the Ministry of Transportation or corresponding office in your province. Ontario drivers can get their Drivers Abstract here.  

Demerit Points:

Drivers begin with zero demerit points and accumulate points for convictions. Demerit points stay on your record for 2 years from the conviction date.  Too many points can cause a suspension of your license. The Ministry of Transportation assigns demerit points.

Demerit points determine if your driver’s license is going to be renewed or if the driver needs to be re-tested. Here’s how demerit points work.

Demerit Points for a Speeding Ticket:
* 16 to 29 km over the limit = 3 points
* 30 to 49 km over the limit = 4 Points.
* 50+ km over the limit = 6 Points.

As a fully licensed driver in Ontario:

  • At six demerit points, you will be sent a warning letter.
  • At nine points, you may have to go to an interview to discuss your record and give reasons why your licence should not be suspended. If you don’t attend, your licence may be suspended.
  • At 15 or more points, your licence will be suspended for 30 days from the date you surrender it to the Ministry of Transportation for the first suspension. You can lose your licence for up to two years if you fail to surrender your licence.
  • After the suspension you may be required to complete a driver re-examination (vision, knowledge and road tests), the number of points on your record will be reduced to seven. Any extra points could again bring you to the interview level. If you reach 15 points again, your licence will suspended for six months.

Demerit Points usually have no bearing on your insurance. To your insurance company, a ticket is a ticket, whether or not it has demerit points, it will affect your insurance rate.

A license suspension severely affects your insurance rates. If you fail to attend a hearing, or fail to give good reasons for needing to keep your license, your license may be suspended.

  • Nisreen

    I had been in a car accident on the highway, there was no injuries and no damage for the two cars involved in the accident, however a toe truck guy was in the scene and called the police. The policeman gave me a ttrffic ticket of careless driving, I have a hearing in the court, but I don’t know how the procedure goes, is there anyone can tell me how it will go? what to expect? any information will be useful. thanks

  • Nick – InsuranceHotline.com

    Hello Nisreen,

    If you need information or representation in court, you can contact Pointts, the traffic ticket specialists. The website is: http://www.pointts.com/.

    Thanks!

  • Vidal Budhu

    Hi, I am just curious. I recently received a ticket for failure to stop at a stop sign and was given a $85 fine and two demerit points as told by the female cop. So my question is. is it worthwhile to fight it in court? If I do fight this ticket, is it going to affect my insurance rate regardless? I am really scared that my insurance will be affected, as I just recently switched companies? Plus, I do not want to pay $85 fine. What is your honest opinion?

  • Nick – InsuranceHotline.com

    Hello Vidal,

    If you fight the traffic ticket in court and win, the ticket will not go on your driving record and will not affect your insurance rate. If you lose the case, you will have the ticket on your record. It may be worth while to look into fighting the ticket or pleading guilty with an explanation, in which case you may see a reduction in fine.

    Hope this helps!

  • redrose

    Hi, i just want to know how does the speed ticket affect my insurance and for how long?
    the speed ticket is less than 15 mph.

  • Nick – InsuranceHotline.com

    Hi Redrose,

    Any ticket will affect your insurance; as it remains on your driving record for 3 years from the conviction date.

    Thank you.

  • Andrew

    In response to Vidal’s question: If you fight the ticket and lose or the ticket gets reduced to anything other than a parking ticket, the ticket will not fall off your record until 3 years after THE POSTED DATE, which in the case of fighting tickets is the date the case is settled in court. For example, if you get a speeding ticket for $100 on Jan 1, 2012 but fight the ticket and either lose or the ticket gets dropped to anything other than a parking ticket (which do not affect your insurance) and the court date is June 1, 2012; the ticket will not come off your record until June 1, 2015, even though you got the ticket in Jan. So it may not be worth fighting unless you are sure you will win. Otherwise you will end up paying for the ticket on your insurance to the later date and depending on what your renewal date is it may affect you greatly (because companies will not change your rate of insurance within a policy term when a ticket or accident come off your record, you must wait until renewal to see the price drop when a ticket falls off)

  • qrazy

    What effects on insurance more demerit points or major
    traffic charges?

    For example, when it comes to avoiding negative impact on insurance, is it better to accept a resolution that offers 4
    demerit points over a major charge conviction?

  • qrazy

    What effects on insurance more demerit points or major
    traffic charges?

    For example, when it comes to avoiding negative impact on insurance, is it better to accept a resolution that offers 4
    demerit points over a major charge conviction?

  • InsuranceHotline

    Hello,

    Demerit points do not affect insurance rates; it is the actual traffic violation that affects rates.

    Read this article to learn more: http://www.insurancehotline.com/how-do-tickets-and-accidents-affect-your-insurance-premiums/

  • InsuranceHotline

    Hello,

    Demerit points do not affect insurance rates; it is the actual traffic violation that affects rates.

    Read this article to learn more: http://www.insurancehotline.com/how-do-tickets-and-accidents-affect-your-insurance-premiums/

  • Jahrawi

    Hello,

    I would like to ask, I had an accident while I was driving a rental vehicle (my fault). Will the accident be marked on my driving record? If it is, for how long?

    I want to buy a car but I want to wait till everything is wiped from my driving record.

    Thanks for your help.

  • InsuranceHotline

    Hello Jahrawi,

    Accidents stay on your driving record for six (6) years.

    This article may help you: http://www.insurancehotline.com/coverage-rental-car/

  • InsuranceHotline

    Hello Jahrawi,

    Accidents stay on your driving record for six (6) years.

    This article may help you: http://www.insurancehotline.com/coverage-rental-car/

  • Jahrawi

    Thank you for your reply.

    lets say I have waited for 6 years for it to be removed from my license. When I get a quote from an insurance company and they ask me “Have you ever been into an accident”, I tell them NO. Correct?

  • InsuranceHotline

    No problem Jahrawi!

    Typically, the insurance company will ask you if you’ve had an accident in the past 6 years, in which case at that point you can say “no”.

    Hope this helps!

  • InsuranceHotline

    No problem Jahrawi!

    Typically, the insurance company will ask you if you’ve had an accident in the past 6 years, in which case at that point you can say “no”.

    Hope this helps!

  • Jahrawi

    Thank you very much!

    Today I just left court, due to the accident, I received a ticket. The prosecutor told me that that there are only 2 convictions on your license: Demerit Points and Tickets. When I told her, how about accidents. She said there is no 3rd category, the accident is within the ticket and it will be removed off your license in 3 years. So now I am a little confused. So do I tell the insurance company after 3 years from the conviction date that I had never had an accident?

    Please pardon me for the messages I am sending.

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

    Hello Jahrawi,

    It looks to me like there is some mis-communication that occurred here. Accidents are reported separately from tickets and will remain on your record for three years.

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

    Hello Jahrawi,

    It looks to me like there is some mis-communication that occurred here. Accidents are reported separately from tickets and will remain on your record for three years.

  • Jahrawi

    Oh I see, so after 3 years, lets say April,01,2016. When I apply for insurance for a vehicle, I would say my record is clean and I don’t have any accidents nor tickets. Correct?

  • Jahrawi

    Oh I see, so after 3 years, lets say April,01,2016. When I apply for insurance for a vehicle, I would say my record is clean and I don’t have any accidents nor tickets. Correct?

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

    Hi Jahrawi,

    Sorry for the miscommunication, tickets and minor convictions will remain on your record for three years. Accidents, criminal and major convictions will remain on your record for six years.

    Sorry for the confusion.

    Alex

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

    Hi Jahrawi,

    Sorry for the miscommunication, tickets and minor convictions will remain on your record for three years. Accidents, criminal and major convictions will remain on your record for six years.

    Sorry for the confusion.

    Alex

  • http://www.facebook.com/smccrodan Stephen McCrodan

    This is somewhat off topic so I apologize but I was wondering if there is anywhere that I can see what demerit points are still on my Ontario license? Also, is there any place that I can see what is against my Insurance record (i.e. Minor/Major etc.)?

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

    Hello Stephen,

    Great question! Yes, you are able to order your drivers abstract from the MTO. Here is a link to one of our articles explaining the process as well as the different types of reports you can order as well as where to order them. http://www.insurancehotline.com/checking-your-driving-record-in-ontario/

    Here is a link to one of our articles on demerit points if you are interested here http://www.insurancehotline.com/demerit-points-how-they-work-how-they-affect-insurance/

    I hope this helps!

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

    Hello Stephen,

    Great question! Yes, you are able to order your drivers abstract from the MTO. Here is a link to one of our articles explaining the process as well as the different types of reports you can order as well as where to order them. http://www.insurancehotline.com/checking-your-driving-record-in-ontario/

    Here is a link to one of our articles on demerit points if you are interested here http://www.insurancehotline.com/demerit-points-how-they-work-how-they-affect-insurance/

    I hope this helps!

  • Jahrawi

    Hey Alex,

    Let me get this straight. You mean 6 years on my Ontario License or 6 years on my insurance record?

    Thank you.

  • Jahrawi

    Hey Alex,

    Let me get this straight. You mean 6 years on my Ontario License or 6 years on my insurance record?

    Thank you.

  • Jahrawi

    Hey Alex,

    Let me get this straight. You mean 6 years on my Ontario License or 6 years on my insurance record?

    Thank you.

  • Gail

    Trying to check this license out……What does this mean???? Class G2** Condition */N
    What do the *s mean and what does the Condition */N mean……

  • avangel

    Hi, interesting list of violations. My question is how accurate is this list? Is it only a partial list?
    I had received a charge for ” failing to display two plates”. The closest thing to it on your list of minor hta infractions was obstruction of plate.
    Should this infraction be added to your list?

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

    Hi Jahrawi,

    6 years on your license AND insurance record for accidents and major/criminal convictions. 3 for minor tickets.

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

    Hi Jahrawi,

    6 years on your license AND insurance record for accidents and major/criminal convictions. 3 for minor tickets.

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

    Hi Jahrawi,

    6 years on your license AND insurance record for accidents and major/criminal convictions. 3 for minor tickets.

  • InsuranceHotline

    Hello Avangel,

    Thanks for your question. We’ve included some of the most common tickets to watch out for. This list does not include all violations.

  • InsuranceHotline

    Hello Avangel,

    Thanks for your question. We’ve included some of the most common tickets to watch out for. This list does not include all violations.

  • InsuranceHotline

    Hello Gail,

    As a G2 driver, there are certain conditions that you must obey, including:

    Level 2 of graduated licensing.
    Holders may drive Class G vehicles without accompanying driver but are subject to certain conditions.
    Effective September 1, 2005:

    The number of young passengers that teen G2 drivers can carry will be limited from midnight to 5 a.m.
    Initially, G2 drivers 19 or under can carry only one passenger aged 19 or under.
    After the first six months, and until the G2 driver earns a full G licence or turns 20, they can carry only three passengers aged 19 or under.

    For more information, please visit: http://www.ontario.ca/driving-and-roads/driving-and-roads

  • InsuranceHotline

    Hello Gail,

    As a G2 driver, there are certain conditions that you must obey, including:

    Level 2 of graduated licensing.
    Holders may drive Class G vehicles without accompanying driver but are subject to certain conditions.
    Effective September 1, 2005:

    The number of young passengers that teen G2 drivers can carry will be limited from midnight to 5 a.m.
    Initially, G2 drivers 19 or under can carry only one passenger aged 19 or under.
    After the first six months, and until the G2 driver earns a full G licence or turns 20, they can carry only three passengers aged 19 or under.

    For more information, please visit: http://www.ontario.ca/driving-and-roads/driving-and-roads

  • Lexieblue

    Hi there, I am wondering how long a no insurance charge remains on your record in Ontario? I pled guilty with an explanation, and had the charge greatly reduced (to $500), so now I’m wondering when I’m going to be able to afford insurance again? :-/. Thanks for your help!

  • mikeIH

    Lexieblue – Most traffic tickets stay on your record for 3 years, from the time of conviction. You can read more details here – http://www.insurancehotline.com/how-do-tickets-and-accidents-affect-your-insurance-premiums/
    Hope that helps.

  • Pauline

    Hello
    In Feb 2011 i was in an accident and fought my ticket (improper left turn). I just finished with it today, May 21 2013 in court. The charge was withdrawn. My insurance company had raised my premium more than double shortly after the accident occurred My Question is: Does the insurance company have to pay me back the amount they raised my premium by for the past 27 months, as the reason for raising it was in assuming my guilt?

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

    Hello

    Your rate may have increased as a result of the accident not the ticket as the ticket would not have been on your record yet. Tickets are not included in your driving record until after you have been convicted.

    Even though the charge was withdrawn, you still may be deemed liable by the insurance company as they determine fault using specific rules outlined in the insurance act.
    This article might help you. http://www.insurancehotline.com/fault-determination-after-an-accident-what-you-should-know/

    If you feel you want to dispute this, you could speak with your insurance ombudsman (which you can ask for through your broker/agent or going to their site) http://www.giocanada.org/

    I hope this helps,
    Thank you

  • lucas

    I was charged with a g2 licence controvention but i had somone fight it for me and it was dropped to a lesser charge why is the g2 licence BAC 0.05 still on my record if i was found not guilty?

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

    Hello Lucas,

    When the police or ministry reduce a charge it is a separate system than what your insurance history holds. You can speak to your insurance professional (broker/agent) to explain what charges are still on your record. You can also ask to be put in touch with your insurance ombudsman or contact them directly if you wish to dispute an insurance judgement http://www.giocanada.org/

  • lsov

    A few months ago I got a ticket for failing to renew my license plate. I had planned on fighting the ticket, but forgot about it, and the government suspended my license. I paid the reinstatement fee and I’m good to drive again, but will this affect my insurance?

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

    Hello Isov,

    Check with your insurance professional (agent/broker) to see what your insurance company considers for administrative like suspensions. Typically this type of suspension (administrative) may not affect your insurance… depending on how long the suspension was, etc.

  • Manish

    Few months ago i got speeding ticket it’s $85 and 3 points . I fight it at court after which they reduced it to 45 $ and no points will this record affect my insurance . If yes by what amt at max . I’m with desjardians and they increased by 70 $ monthly increment in my regular price, are there any insurance companies which are better if I can switch into . Will that 45 $ stay in record when I switch my insurance to other company please I need ur opinion

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

    Hello Manish,

    Yes, all tickets and minor offenses will remain on record for 3 years. The points have nothing to do with insurance (that is the ministry) unless your license becomes suspended. Accidents and major infractions remain for 6 years on your record.

  • Ashwin

    Could someone please let me know…Under what category does “driving with a G1 with an unaccompanied driver” qualify? Much thanks.

  • ANONYMOUS

    I got pulled over when i was driving with my G1. i had got my license suspended for a month and had to wait an extra month before getting my G2. the officer that pulled me over said that the ticket wouldn’t affect my insurance (this also being my first ticket). two months after I’m driving with my G2, my insurance company says they will no longer insure me due to being a high risk driver (the mistake i made of taking the car out alone when i had my G1).

    is it possible for me to to clear my record, or maybe go to a judge etc. to regain my original insurance rate.

    I live in Ontario.

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

    Hello,

    This would typically be categorized as a major offense. Violating the requirements of your G1 is a major offense. You can speak directly to the MTO regarding license questions here 1-800-268-4686

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

    Hello,

    No, it is not possible to clear your record, however, you can contact your insurance ombudsman if you wish to dispute. Here is their link http://www.giocanada.org/

  • Steve

    I received a ticket for crossing the go train tracks (walking across). The ticket I received has my driver’s license info. If I am to pay the fine would it affect my auto insurance?

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

    Hello Steve,

    Typically GO train tickets are provincial offenses and will be processed through the courts. This would a question for the MTO or the Courts.

  • Ahmed

    Hello,
    I received a ticket last weekend for “driving left of centre approaching crest of grade” under Highway Traffic Act 149(1)(a). I started overtaking when if was allowed but could not complete and the dotted lines yellow line become solid line then I moved back to right lane. The police officer said that I although I came back to to right lane but it was from sold yellow line so I was given $85 ticket and 25 for victim funds (total 110). My question is this ticket will affect my insurance and riving record or not. Will I be getting 3 demerit points? Please advise. Thanks

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

    Hello Ahmed,

    The ticket could effect your insurance rates, this all depends on what your driving history is like… if you already have any other tickets/accidents/infractions. Minor offenses will remain on record for 3 years and major offenses will remain on record for 6 years.
    The demerit points have nothing to do with your insurance and are governed by the MTO and police.

    I hope this helps.

  • Ahmed

    Thanks for this information. So far I don’t have any ticket for the late 12 years. Is it better to fight the ticket in court or just pay it out? Can I call insurance to find out if they will be increasing the premium or not? Hiring a lawyer will help?

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

    Hello Ahmed,

    Whether you choose to fight a ticket is your personal decision. The demerit points do not effect your insurance, it is the ticket itself… so unless you can get the ticket cancelled all together, getting the fine amount reduced will have no effect on your insurance. You can speak to your broker/agent regarding the limits of your policy provider as each company is different. Typically one minor ticket will not effect your rates, however, its best to check with your insurance professional.

  • Mila

    You mentioned that minor infractions remain on your record for 3 years. I received a ticket for going 15km over the speed limit and plan to fight the ticket in court. Does the 3 years begin when I originally received the ticket or when the court convicts me (if they do)? Thank you!

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

    Hello Mila,

    It is the date you were convicted of the offense… so if you went to court and they convicted you, it would be from that date.

  • john

    hello there! im wondering what effect does failure to produce car registration on my insurance? i got the ticket last night. i cant seem to locate my car registration, i showed the police that i have car insurance though.

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

    Hello John,

    I believe this is a minor offense, however, check with your insurance professional (broker/agent) to confirm the effect it might have on your policy.

  • alex

    How long do you think it takes for a conviction to show up on an abstract? Days weeks months?

  • 18w2013Mustang

    I have a G2 license and recently got a 30 day suspension for 31 kph over the speed limit. How greatly will this effect my monthly insurance rate? Estimate?

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

    Hello Alex,

    This depends, typically, right away. You can order a copy of your drivers abstract through your provincial ministry if you would like to see what is says on it.

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

    Hello,

    You can speak directly to your insurance professional (broker/agent) as each policy and insurance company are different and they will be the ones who can tell you what your details are.

  • Nisse

    I have got a parking ticket for placing my paid parking paper upside down accidentally. What is best to be done?

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

    Hello Nisse,

    You can pay the ticket, or go to court… the instructions to dispute this are on the back of your ticket in fine print. Parking tickets do not effect your insurance.

  • ana

    Hello, what will increase my insurance rate more: disobey sign or speeding 40 over?

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

    Hello ana,

    the infraction itself (ticket) is considered with insurance… a major infraction will remain on record for 6 years and minor infractions will remain on record for 3 years. Disobeying a sign — depending on what sign and speeding 40 over could mean the same increase or they could be different. Speak to your insurance professional about your specific policy… some companies will allow for 2-3 minors, and others are different only allowing 1-2.

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

    Hello Tony,

    Demerit points have nothing to do with your insurance. They are governed by the MTO and the police.
    A careless driving ticket is always a Major Infraction. This will remain on your insurance record for 6 years – the same as accidents. How your rate is effected depends on a large number of other factors. As each insurance company is different, you are best to speak directly with your personal insurance professional (agent/broker) to discuss the details of your personal policy and how these incidents effect your rate.

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

    Hello Dustin,

    Your suspension could effect your insurance, it could not. Speak to your insurance professional (broker or agent) to find out what, if any, effect this specific situation might have on your policy.

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

    Hello ultra,

    Each insurance company is different, this is a conversation best had with your insurance professional (broker/agent) about your specific policy.

  • Sutton

    I got a parking infraction for parking in a no parking zone in winter after a specified time.. does this have any affect on vehicle renewal? and is there record of this ticket anywhere once its payed?

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

    Hello

    Thank you for your question. The answer is no, the parking ticket will not be reflected in your driving record.

    Thank you

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

    Hello

    It is expensive for insurance companies to check every policy holder’s driving record every year.
    You can never be sure about when they will pull your record. One insurance companies may check them every two years and another may check every 3 years.
    Good Luck

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

    Hello

    Check with the ministry of transportation in your province. Some provinces and some states in the US have reciprocal agreements where they report on tickets given to out of state drivers.
    Thank you

  • D’Angelo

    I had a DUI conviction Feb 2011. In Feb 2014 it comes off the Drivers Abstract. Will this continue to affect my insurance for another 3yrs (6yrs on insurance record as mentioned by one insurance broker) or does it completely disappear and I start from scratch?

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

    Hello
    Since an impaired driving charge is a criminal charge, it will stay on your record for 6 years. Minor convictions are 3 years.

    Thank you

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

    Hello

    I am sorry but I can’t answer that. You are best to check with the MTO. http://www.mto.gov.on.ca
    Thanks

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

    Hello

    No, the insurance company will not be notified it you pull your own driving abstract.

    thanks

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

    Hello

    Auto insurance is mandatory so therefore you will always be able to get auto insurance. With that on your record, you will likely pay more than the average driver.

    Thank you

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

    Hello
    Some insurance companies will re-rate your policy but others will not. The logic being that you weren’t “penalized’ for the ticket until the renewal following when you received it.

    Thanks

  • Rakesh Kumar Gupta

    My son received three tickets and trial was scheduled on 13 JAN., 2014. I AM INFORMD BY PARALEGAL THAT ALL THE TICKETS ARE SETTTLED IN FAVOUR OF YOUR SON. CAN I VERIFY MY SON’S DRIVER ABSTRACT, NOW TO CONFIRM THAT NOTHING APPEARS IN ABSTARCT,

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

    Hello

    Yes. Your son can pull his driving record from the ministry of transportation in your province.

    Thank you

  • Michele

    I have my drivers abstract from the mto in front of me the convictions have a date and they have a offence date for insurance purposes only what date should I go by?

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

    Hello

    The offence date is the date that you got your ticket. The conviction date is the date that you either plead guilty or were found guilty. The conviction date is the date that the insurance company will use.

    Thank you

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

    Hello

    Failure to carry insurance card is minor-if you actually have insurance. Failure to have insurance is major and you could be looking at a significant increase in your insurance premium.

    Thank you

  • Edgars

    Hello,
    I have a question,
    Few months ago I got my first speeding ticket, it was 29 km over speed limit, so I went to court and fought it and got it to drop to 15 km over which is no demerit points. Now I am getting a job which requires to drive a company vehicle and they asked me for drivers abstract, would that affect companies insurance premium if i have that ticket?

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

    Hello

    It is likely that with only one minor ticket, it will not affect the companies premium.

    Thank you

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

    Hello

    As I understand it, Quebec and Ontario have a reciprocal agreement where they share traffic violations.

    Thank you

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

    Hello

    Insurance companies do not look at demerit points for minor violations. Most of the time they look at the number of occurrences. The number of minor tickets you have on your record will affect your rate.
    Major and Serious convictions will increase your rate significantly.

    Thank you

  • Eric

    I had a speeding ticket and an at-fault claim when i lived in Ontario. I moved to Alberta and got an Alberta driver’s license, will the tickets i had in Ontario affect my insurance rate here in Alberta?

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

    Hello

    You will likely be asked to provide a letter of experience from your Alberta insurance broker or your insurance company (if they operate in Ontario may forward that information.

    Thank you

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

    Hello
    I have never heard of the ticket you mention “fail to valid to a pedestrian”
    You are best to check with your insurance broker. Show them the ticket and they can check with your insurance company as to what type of ticket it is.

    Thank you

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

    Hello

    It depends upon how long your licence was suspended and it also depends on your insurance company. You are best to check what the rules are for your specific company.

    thank you

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

    Hello

    Drive unsafe vehicle is a less serious charge than careless. You might be offered following too closely which is also a lesser charge than careless.

    Thank you

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

    Hello

    I am sorry but I can’t answer that. Insurance companies all offer different rates. You are best to check with your insurance agent or broker to see what your company will charge.

    Thank you

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

    Hello

    You should check with your insurance professional. If it is the only ticket on your record it might not affect it too badly. Each insurance companies rules for this are different which is why you should check with your broker or agent to see what your companies rules are.

    Thank you

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

    Hello

    It is possible that this will affect your auto insurance premium. Each insurance company has different rules regarding convictions. Check with your insurance professional to see what your companies rules are.

    Thank you

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

    Hello

    I am sorry but I cannot comment on a violation that you received in New York. You are best to discuss the various scenarios with your insurance agent or broker.

    Thank you

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

    Hello

    The insurance company may run your driving record prior to your renewal the ticket will show. The insurance company will then base your renewal premium on your new driving record including the ticket.
    Most insurance companies do not request driving record checks with every renewal. Some order every few years.

    Thank you

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

    Hello

    In most cases your tickets will stay on your record for 3 years from the date that you were convicted.

    thanks

  • steve

    Does a green ticket for safety related charges affect your insurance

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

    Hello

    It depends upon what your insurance companies guidelines are.

    Thank you

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

    Hello

    Your driving record will be taken into consideration regardless of whether it is a personal or commercial policy you are purchasing.
    Thank you

  • Albert

    I have collected 9 points during the last 2 years, all minor speeding tickets. If I don’t collect any more points and get no more tickets for the next 3 years, will these points be erased? Thanks

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

    Hello

    In Ontario demerit points stay on your record for two years from the date of conviction.
    The ticket will stay on your record for 3 years.

    Thank you

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

    Hello

    That was my understanding also. An administrative suspension cannot be held against you.
    Each insurance company (in Ontario ) must their submit underwriting rules that apply for a non renewal.
    Ask the insurance company to quote the underwriting rule for you that states that they can cancel your policy. Speak with the insurance company ombusdperson, They might be able to help.

    Thank you

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

    hello

    The conviction will stay on your record for 3 years from the date that you were convicted.

    You should be able to get insurance but it will be in the high risk market.

    Thanks

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

    Hello

    You can fight the ticket if you don’t feel that you were guilty.

    Thanks

  • vanessakagawa

    Hi,

    I got 4 tickets today:

    1) Expired validation sticker
    2) Expired permit sticker
    3) Failure to provide proof of insurance – I had my old one on me only…but the current one was left at home..sadly.
    4) Plate Obstruction – I had a bike rack on.

    I plan on going to court to fight these. I realize I probably can’t get off the hook for some of them. Although my record has been clean for over 5 years, would this many minor offenses cause my rate to go up by a lot? I am hoping some get thrown out…like #4 especially. Today is Canada day, and I was biking earlier in the day…didn’t bother to take off the rack as we were in a rush.

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

    Hello

    having 4 traffic convictions on your record will increase your rates significantly. I agree that you should see if you can have any of them dismissed.

    Thanks

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

    Hello

    It is very likely that you will see a significant increase in your insurance.

    Thank you

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

    hello

    I am sorry but you will have to check with the governing body in your country.

    Thanks

  • Dave

    I have this ticket on my drivers abstract.

    SUSPENDED UNTIL 01:30 AM ON APR. 9, 2012,
    .05 BAC WARN RANGE – ADMINISTRATIVE SUSPENSIONS

    It was only suspended for 3 days.

    Is this considered a Major or Minor conviction?

    Thanks.

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

    Hello

    Most insurance companies do not count an administrative suspension against you driving record.

    Thank you

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

    hello

    A 2 demerit conviction is usually a minor conviction.

    Thanks

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

    Hello

    each insurance company has different rules for one minor ticket. You are best to check with your insurance professional to see how your insurance company will rate for this ticket and then you can decide.

    Thanks

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

    Hello

    Take the recall notice to your insurance company adjuster and ask them to change the fault.

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

    Hello

    Your best bet is to shop around. You can use our site http://www.insurancehotline.com to see if you can lower your rate.

    Thanks

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

    Hello

    Yes, his insurance company will find out about the ticket as it goes against his drivers licence number.

    Thanks

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

    Hello

    Here is what I have pulled from the Ontario website.

    Penalties for demerit points: new drivers

    You are considered a novice – or new – driver if you have a G1, G2, M1, M2, M1-L or M2-L licence. As a new driver, you face different consequences for adding demerit points.

    As a new driver, if you have:

    2 to 5 points:
    You will be sent a warning letter.

    6 to 8 points:
    Your licence could be suspended. You may have to attend an interview to discuss your driving record. At this meeting, you will need to provide reasons why your licence should not be suspended.

    You will get a letter to notify you of the time, date and location of the meeting. If you do not attend, your licence could be suspended.

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

    Hello

    It still might show up on your history as an “administrative suspension”. With most insurance companies this type of suspension of only 1 week does not count against your record.

    Thanks

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

    Hello

    The infraction listed on the ticket is the infraction that will show on your diving record (10kms over).

    Thanks

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

    Hello

    Most insurance companies may order a new driving record report when your renewal comes up.

    Thanks

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

    Hello

    Regardless of the points, your insurance company will find out about you ticket if they order your driving record report.
    Each insurance company has different rules for tickets and your premium. So i can’t say how it will affect your premium. But since it’s considered a minor ticket and if it’s your only ticket it might not have too big an impact on your rate.

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

    yes, for most insurance companies

  • Gooddriverbadtickets

    I have a G2 licence in Ontario. I got three speeding tickets in one month, paid them all. At the end of the month I got a letter stating a 60 day suspension. I am considering reopening one to get the demerit points removed by a professional traffic legal service. Will this help my insurance. If I do not, how long and how much will insurance be. I can get my G licence as soon as my suspension is over too.

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

    Hello

    Your insurance company looks at the number of tickets you have received not just the demerit points.
    These convictions will stay on your record for 3 years from the date that you are convicted.

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

    Hello

    If you plan on fighting the ticket, it will not show on your record until you are convicted.

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

    Hello

    I am not sure if there are any demerits associated with this conviction. You are best to check with the MTO.

    Check with your insurance professional to see what your company will do. Each company has different rules.

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

    hello

    Insurance companies access the MTO database the same way that you likely did to obtain your history.

  • DEAN

    MY INSURANCE COMPANY IS CHARGING ME WITH A DRIVING INFRACTION BECAUSE I GOT A TICKET FOR NO INSURANCE CARD. BUT I DO HAVE INSURANCE.

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

    Hello

    You must have your insurance card with you. You can try taking the card into court and fight the charge,.

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

    Hello

    If you have not been convicted of the offence then the ticket will not be on your record.

    Thanks

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

    Hello

    It might. You are best to order your driving abstract to be sure.

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

    Hello

    The insurance company will view this as a minor conviction.
    Regarding the prosecutor, I don’t believe that they will increase the fine. You can speak with one prior to speaking with the judge.

  • TOduc

    Thank-you. You are providing an excellent service!

  • Tyler

    Hello,

    I just convicted of a minor offence which is ‘drive in contravention of conditions’, does this affect my insurance rate?

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

    It all depends on your driving record as well as your insurance companies rules. Some insurance companies may not increase your rate while another will. you are best to check with your insurance broker or agent. They should be able to answer that question for you.

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

    hello

    You can always try to fight it by going to court and speaking with the prosecutor. It might also be worthwhile to check with a traffic ticket fighting specialist like Pointts. etc.

    here is some information about demerits and licencing

    Penalties for demerit points: new drivers

    You are considered a novice – or new – driver if you have a G1, G2, M1, M2, M1-L or M2-L licence. As a new driver, you face different consequences for adding demerit points.

    As a new driver, if you have:

    2 to 5 points:
    You will be sent a warning letter.

    6 to 8 points:
    Your licence could be suspended. You may have to attend an interview to discuss your driving record. At this meeting, you will need to provide reasons why your licence should not be suspended.

    You will get a letter to notify you of the time, date and location of the meeting. If you do not attend, your licence could be suspended.

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

    Hello

    Other than some states I am not aware of any reciprocal agreements with other countries.

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

    In Ontario, the conviction stay on your record for 3 years from the date that you are convicted. Any licence suspension as a result of a conviction may affect your insurance for up to 5 year.

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

    hello

    Unfortunately, it is likely that your mother’s insurance rate will increase as a result of you accident.

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