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 Offence||Points|
|Failing to remain at scene of accident||7|
|Stunt Driving – Exceeding speed limit by 50 km/h or more||6|
|Speeding: Exceeding speed limit by 50 km/h or more||6|
|Speeding: Exceeding speed limit by 30 to 49 km/h||4|
|Speeding: Exceeding speed limit by 16 to 29 km/h||3|
|Drive in prohibited lane||3|
|Driving through, around or under railway crossing barrier||3|
|Failing to yield right of way||3|
|Failing to obey a stop sign, signal light or railway crossing signal||3|
|Failing to obey directions of police constable||3|
|Driving or operating a vehicle on a closed highway||3|
|Failing to report an accident||3|
|Improper driving where highway divided into lanes||3|
|Failing to stop for school bus||6|
|Following too closely||4|
|Crowding drivers seat||3|
|Drive wrong way – divided highway||3|
|Pass off Roadway||3|
|Drive in High Occupancy Lane||3|
|Cross divided highway – no proper crossing provided||3|
|Wrong way in one way street or highway||3|
|Backing on Highway||2|
|Failure to share road||2|
|Improper right turn||2|
|Improper left turn||2|
|Failing to Signal||2|
|Unnecessary slow driving||2|
|Failing to lower headlamp beam||2|
|Improper opening of vehicle door||2|
|Disobey Sign or Proceed Contrary to Sign||2|
|Any city bylaw ticket for any turning violation||2|
|Drive with radar warning device||3|
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 Record||Lowest Price||Highest Price|
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.