Do you have to report tickets to your insurance co?

I was convicted a few months back for a speeding ticket. Do you have to report all convictions to your insurance company? I've gotten mixed opinions on this.

Originally Posted by hawk99

I was convicted a few months back for a speeding ticket. Do you have to report all convictions to your insurance company? I've gotten mixed opinions on this.

If they ask you, yes.

when they run your name thru the computer then they will see them all.

yep , they find them on their own .

And sometimes they forget to check...

so to clarify? the driver has no obligation to report convictions? Cause someone told me they do under the Highway Traffic Act

Originally Posted by hawk99

I was convicted a few months back for a speeding ticket. Do you have to report all convictions to your insurance company? I've gotten mixed opinions on this.

don't ask, don't tell

You do when you apply for new insurnce or if asked , on renewal they run a check and they will get details of your ticket from the ministry.

And sometimes they forget to check...

...after a little fender bender , i asked the police what happens if i file a report with you guys ....he said your insurance is automatically notified including tickets also ....just implemented in N.S. .....

Thanks to modern technology like computers, the insurance company can see your past convictions as well as claims record in seconds. You don't have to tell them. They already know.

Originally Posted by hawk99

so to clarify? the driver has no obligation to report convictions? Cause someone told me they do under the Highway Traffic Act

I'll assume you are in Ontario. If you have some time on your hands the HTA is a free read here.

If you stay with the insurance company you are currently with, it is up to that insurance company to find out for themselves. However, if you apply for insurance with a new company, the application clearly asks if you have had any convictions and you must disclose the ticket or you run the risk of having your insurance cancelled for non-disclosure, which looks worse on your record then any ticket you could get.

Originally Posted by chezaj1965

If you stay with the insurance company you are currently with, it is up to that insurance company to find out for themselves. However, if you apply for insurance with a new company, the application clearly asks if you have had any convictions and you must disclose the ticket or you run the risk of having your insurance cancelled for non-disclosure, which looks worse on your record then any ticket you could get.

Somebody used the search button(or Google), good job!