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Normally, parking tickets will not affect your insurance. In many circumstances, an insurance company will not define a traffic ticket as a minor or serious offence by demerit points. This may be because you can be convicted of a serious offence, but there are no demerit point added to your driving record if your driver’s licence is suspended by court. For detailed information about how the demerit points system works, please refer to “Demerit Points”.

Description of OffencePoints
Failing to remain at scene of accident7
Careless driving6
Racing7
Stunt Driving – Exceeding speed limit by 50 km/h or more6
Speeding: Exceeding speed limit by 50 km/h or more6
Speeding: Exceeding speed limit by 30 to 49 km/h4
Speeding: Exceeding speed limit by 16 to 29 km/h3
Drive in prohibited lane3
Driving through, around or under railway crossing barrier3
Failing to yield right of way3
Failing to obey a stop sign, signal light or railway crossing signal3
Failing to obey directions of police constable3
Driving or operating a vehicle on a closed highway3
Failing to report an accident3
Improper Passing3
Improper driving where highway divided into lanes3
Failing to stop for school bus6
Following too closely4
Crowding drivers seat3
Drive wrong way – divided highway3
Pass off Roadway3
Drive in High Occupancy Lane3
Cross divided highway – no proper crossing provided3
Wrong way in one way street or highway3
Backing on Highway2
Seatbelt offences2
Pedestrian crossover2
Failure to share road2
Improper right turn2
Improper left turn2
Failing to Signal2
Unnecessary slow driving2
Failing to lower headlamp beam2
Improper opening of vehicle door2
Prohibited turns2
Disobey Sign or Proceed Contrary to Sign2
Any city bylaw ticket for any turning violation2
Drive with radar warning device3

In general, anything recorded on your driving record will affect your insurance premiums. However, an insurance company would treat traffic tickets or convictions differently based on how the ticket reflects your driving behaviour being tracked by the MTO. For detailed information about the driving record, please refer to “Statement of Driving Record”.

The more traffic tickets you collect, the worse your driving behaviour is considered and the more risk the insurance company will consider in insuring you.

Minor tickets or offences normally contain two-three demerit points stated in the Regulation 339/94 of the Highway Traffic Act, such as seatbelt violations. Major tickets or offences typically carry four or more demerit points, for example, speeding 50km/h over (six points).

Serious convictions, i.e. driving under suspension, stunt driving, or any driving-related Criminal Code convictions, may disqualify you from the current insurance coverage. Fewer insurance companies will insure you and it will lead to dramatically increased special insurance premiums that will be unaffordable for most offenders. This will be carried on for at least three years.

The following is an example from the website insurancehotline.com, which should give you a brief idea how a more serious traffic ticket affects the insurance premium more than a small ticket.

Driving RecordLowest PriceHighest Price
Clean Record$958$2,213
1 Ticket$1,018$2,552
1 Accident1,849$3,753

So, it is always recommended to fight the charges laid or tickets issued no matter how minor you think they are. With the assistance of professional legal representation, a successful defence will usually save you a great deal of money in the long run.

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