What infractions do/do not affect insurance? v.minor speeding ticket?

[Ebtek]

wife got a speeding ticket for going 15 over. (55 in a 40)

1. will her points be affected? by how much?
2. will the insurance premium be affected?
3. it was in a school zone around 1pm. while i already gave her the business, and everyone needs to accept responsibility for their actions, EVERYONE has gone over the speed limit a time or two, and after some previous minor insurance-hiking incidents coming up for falling off the record (7 yrs) i'd like to try to keep it as clean as possible.

should i fight it?

[new_vr]

Most insurance companies will let a ticket slide.
AFAIK, any speeding ticket under 50km/h over is a minor conviction, so 5km over hurts as much as 48km over.

[Ebtek]

i just called my insurance, did not identify myself but told them ive been with them for 10 years - which is true, and as new_vr says; was told every minor infraction is treated the same, however there will be an annual increase in the premium of about $100. :(

[thelefteyeguy]

Depends on her history and how your insurance is setup between you two.

1 ticket should not increase your premium by $100 :| (if this is your only ticket for the last 3 years)

perhaps it's time to get a insurance broker and shop around

[rems]

Depends on her history and how your insurance is setup between you two.

1 ticket should not increase your premium by $100 :| (if this is your only ticket for the last 3 years)

perhaps it's time to get a insurance broker and shop around

well she could have had a conviction free discount.
IF it was worth 10% and she was paying 900/year prior to the ticket, then $100 increase seems right.

[thelefteyeguy]

well she could have had a conviction free discount.
IF it was worth 10% and she was paying 900/year prior to the ticket, then $100 increase seems right.

Can you pm with insurance companies that offer 10% off for conviction free ;)

[COSMIC5]

Some companies charge for 1 minor, some don't. Some may remove your conv free discount, if you have one - you really need to ask your broker as they know who your insurer is...

[Allstarplaya546]

FIGHT the ticket, the prosecutor will reduce the fine and charge!
Goodluck with it!

[MP3_SKY]

FIGHT the ticket, the prosecutor will reduce the fine and charge!
Goodluck with it!

Yes, but the infraction will still remain in file. Doesn't change the increase on the insurance premium, but it worth fighter to pay less on the fine at least.

[ticketcombat]

1. will her points be affected? by how much?
2. will the insurance premium be affected?
3. it was in a school zone around 1pm.
should i fight it?

1. There are no demerit points for 15km/h or less.
2. For a rough estimate on the insurance hit, check out http://www.ticketcombat.com/offences/insurancehit.php
3. community safety zones and construction zones affect the fine amount, school zones don't.
4. Step by step instructions how to fight the ticket: www.ticketcombat.com

[booblehead]

I believe insurance companies will look at the conviction, whether it carries demerit points or not when they are reviewing the clients renewnal file every year. Therefore, do not be misled believing that how come my insurance is going up in the coming year, given that I have only a minor ticket with NO demerit point.

[COSMIC5]

I believe insurance companies will look at the conviction, whether it carries demerit points or not when they are reviewing the clients renewnal file every year. Therefore, do not be misled believing that how come my insurance is going up in the coming year, given that I have only a minor ticket with NO demerit point.

That is correct, they don't look at points, only what you were convicted of...

[ticketcombat]

Some insurance companies look at the number of convictions you have, some look at the number of demerit points you have, and some look at the type of conviction it is. Others use a combination of the three. It depends on the company. There is no absolute rule on this.

[Shaner]

Some insurance companies look at the number of convictions you have, some look at the number of demerit points you have, and some look at the type of conviction it is. Others use a combination of the three. It depends on the company. There is no absolute rule on this.

All look at the number of convictions you have and none look at the number of demerit points you have. Simply put, demerit points are a ministry thing and have no effect on your insurance premiums.

[booblehead]

see attachment for further details of 'How do conviction(s) affect insurance premium' ... Page 10 - 11
http://www.ibc.ca/en/Car_Insurance/documents/brochure/on-faq.pdf

[ticketcombat]

All look at the number of convictions you have and none look at the number of demerit points you have. Simply put, demerit points are a ministry thing and have no effect on your insurance premiums.Are you suggesting that three convictions of 2 demerit points each will have a higher insurance hike than only one conviction of failing to remain with 7 demerit points?

[COSMIC5]

Some insurance companies look at the number of convictions you have, some look at the number of demerit points you have, and some look at the type of conviction it is. Others use a combination of the three. It depends on the company. There is no absolute rule on this.


Incorrect...they don't look at demerit points. they look at the convictions themselves and how many you may have in total. This is the way it is.

[rems]

Are you suggesting that three convictions of 2 demerit points each will have a higher insurance hike than only one conviction of failing to remain with 7 demerit points?

there are differences in convictions. What he's saying is that there's no difference in speeding 10 over and 30 over. 10 carries no points and 30 has 4 (I believe). But it's treated the same when rating you.
What matters is how they classify the convictions. Minor vs major vs criminal

[ticketcombat]

I'm not arguing that they only look at demerit points, that's silly. They do look at the type of conviction. But the starting point of any insurance broker: "Do you have any convictions where you were given demerit points?" The reason is that parking tickets, red light camera tickets, seatbelt (passenger) tickets don't affect your driving record but they are CONVICTIONS. Your insurance is not going to go up because you have 10 parking ticket convictions.

[booblehead]

there are differences in convictions. What he's saying is that there's no difference in speeding 10 over and 30 over. 10 carries no points and 30 has 4 (I believe). But it's treated the same when rating you.
What matters is how they classify the convictions. Minor vs major vs criminal


This is how Insurance Bureau of Canada - Province of Ontario assesses insurance risks & premiums ... as per my earlier attachment will confirm.

[thelefteyeguy]

here's a pretty good read

http://www.criminal-lawyer.on.ca/careless-driving.html

(look for section on Insurance Risk points)

[ticketcombat]

I've read your attachment and want to point this out: "Surcharges vary by company but many use the Facility Association rules as a guideline." This is the only point I'm making. It depends on the company. There is no hard and fast rule for every insurance carrier out there. It's not the number of convictions, it's not the type of conviction, it's not the demerit points. It's a combination of some or all of these depending on company. The same driving record will produce different premiums from different companies. It's not just the base rate they charge but how they treat a conviction.

And the point about demerit points is if you were speeding 10 km over or 40 km over, they both appear under "minor" but they will be treated differently. Squealing tires is considered "minor", but it's covered under Reg 455(3)3 (http://www.canlii.org/on/laws/regu/2007r.455/20080821/whole.html) where it's considered a stunt: you loose your license, your car and face 6pts + thousands in fines. There's nothing "minor" about it.

Many of you have received a questionnaire from your carrier around insurance renewal time. It will ask you about demerit points or convictions. If you fail to declare a conviction, that's insurance fraud. They can use that to deny benefits later. They aren't going to look up everyone's driving abstract, but if you ever have a claim, you can bet they will check.

[COSMIC5]

I'm not arguing that they only look at demerit points, that's silly. They do look at the type of conviction. But the starting point of any insurance broker: "Do you have any convictions where you were given demerit points?" The reason is that parking tickets, red light camera tickets, seatbelt (passenger) tickets don't affect your driving record but they are CONVICTIONS. Your insurance is not going to go up because you have 10 parking ticket convictions.

Brokers do not usually ask if any demerit points you have because those aren't an issue. And red light camera tickets can show up on an MVR.., seatbelt convictions do apply as a minor if they show up on an MVR.......and will affect your insurance depending on the company you are insured with and what their u/w guidelines are......

[ticketcombat]

Brokers do not usually ask if any demerit points you have because those aren't an issue. And red light camera tickets can show up on an MVR.., seatbelt convictions do apply as a minor if they show up on an MVR.......and will affect your insurance depending on the company you are insured with and what their u/w guidelines are......Poor choice of words on my part. I meant these charges don't have demerit points. Your driving record has every conviction since the day you were licensed. No seatbelt at the time of accident would probably void any insurance claim. I think insurance companies take seatbelts far more seriously than the HTA does.

[COSMIC5]

Poor choice of words on my part. I meant these charges don't have demerit points. Your driving record has every conviction since the day you were licensed. No seatbelt at the time of accident would probably void any insurance claim. I think insurance companies take seatbelts far more seriously than the HTA does.

I doubt that not wearing a seatbelt at the time of an accident would void a claim, don't think thats an exclusion in the auto wordings.
Seatbelts are only minors in the eyes of insurance companies. Convictions only go back 3yrs on an MVR and the insurance companies only charge back to those 3prior years. Now, the AUTO Plus report goes back to the date you first had insurance.

[ticketcombat]

I doubt that not wearing a seatbelt at the time of an accident would void a claim, don't think thats an exclusion in the auto wordings.
Seatbelts are only minors in the eyes of insurance companies. Convictions only go back 3yrs on an MVR and the insurance companies only charge back to those 3prior years. Now, the AUTO Plus report goes back to the date you first had insurance.
Not wearing a seatbelt is contributory negligence. Motor vehicle convictions stay on your Ministry of Transportation driving record for three years, demerit points for two years. Insurance companies keep this information usually for five years. Accidents will affect your insurance record up to six years. Law enforcement can see your complete driving record and criminal history including every conviction going back to the day you were born.