Romanov Report 29 - Dec 20, 2005

By InsuranceHotline.com Team
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Attorney General's Proposal

We sent the Attorney General over 400 of your emails, protesting "affidavit" testimony in court, in place of the police officer who ticketed you. Affidavit testimony takes away your right to cross examine your accuser.

The end result is that the government's proposed legislation is NOT going to allow "affidavit" testimony. They will, however, allow video testimony to be used. Video cameras will be set up in certain locations and the police officer can provide their live testimony to the court. This will allow you to cross examine the officer who ticketed you.

Court Representation: Now, more than ever, drivers are going to need professional representation. POINTTS, the traffic ticket specialists, provide a FREE consultation, so take advantage of it.

Tick, Tick, Tickets

Demerit Points: Demerit points are assigned by the Ministry Of

Transportation and determine whether or not your driver's licence should be suspended or not renewed. Demerit points do not affect your insurance,

but suspensions do.

Tickets: Tickets such as driving in the new "High Occupancy Lanes", having snow on your car windows obstructing your vision, or even a $35 fine for not carrying your driver's licence can cause your insurance rate to increase up to $500 for one ticket. For two tickets your rate could increase by $1,500.

Here is the list of tickets that can affect your insurance rate, so don't be surprised if this happens to you.

Astrological Signs And Their Influence On Getting Ticketed

InsuranceHotline.com compared 100,000 driver's profiles to their astrological signs. Here's a little insight to how your "astrological sign" may influence your chances of being pulled over. From "worst" to "best", here are the astrological signs of drivers that got ticketed the most.

For more information you can read about it in Car Carma, the book.

1) Pisces:Worst Chance For Getting Ticketed: Pisces are risk takers, daydreamers, and fantasize about becoming race car drivers.

2) Aries:

The influence of this sign makes the Aries driver feel like they own the road, and are often in a big

hurry"officer".

3) Aquarius: Aquarians are influenced by Uranus,

which is the the planet of speed and rebellion.

Need we say any more.

4) Capricorns:

Are concerned with the destination, not the journey. Speed

limits are not going to get

in their way.

5) Libras: Need to seek consensus,

wanting all drivers to justget along, which is not going to happen at rush hour.

6) Taurus:

The bull is their mascot and they must

suppress that urge to want

to "CHARGE"atred lights.

7) Scorpios: Dominate both relationships and the roadways. If you cut off a Scorpio, plan on being chased.

8) Leo:

Loves the spot light, but the flashing

lights of a police car is not a good

substitute.

9) Cancer:

Does not like to suffer in silence, in traffic jams you can hear the"horns" of their moodiness.

10) Virgos: Focus on minor, often unimportant details. This

ability allows them to rarely miss the perfect spot for a speed trap.

11) Sagittarius:

Have a taste for thrills but the wisdom to leave the extreme

driving to the cabbies.

12) Gemini: BestChance For NOT Getting Ticketed: The

twins are the sign for Gemini. While one is driving the other is their

wingman.

Survey

This week's question asks: If the court reduces your fine to $0 and drops the demerit points on your speeding ticket, will the ticket count on your insurance?

Yes

No

We will email you the results in your next Romanov Report.

New Year's Resolution - Fight your traffic tickets!

When Ticketed: Many drivers feel that if they are ticketed, they are guilty and do not believe that they have any chance when fighting the ticket in court. This is wrong. The ticketing officer is not "your" judge and jury. Police officers are human and do make mistakes at work like everybody else.

Look at this chart: Here's an example of 30 insurance companies' rates for a driver with a clean record. It also shows what happens if they get ticketed, possibly after having an accident. This also shows why you should always check what you are paying through www.InsuranceHotline.com to make sure you are not paying a higher rate than you have to.

Driving Record Lowest Highest Difference Clean $1,321 $2,852 $1,531 1 ticket $1,621 $4,784 $3,163 2 tickets $1,871 $5,424 $3,553 1 accident $2,805 $11,301 $8,496 1 ticket and 1 accident $3,115 $11,301 $8,186 Happy New Year!