Questions About Demerit Points and Insurance

  • Insurance

    POINTTS does not deal with automobile insurance. Please visit the Insurance Hotline. (Please note that they are solely responsible for its content.)

    Insurance and Your Traffic TicketThe insurance industry in Ontario categorize convictions on your driving record as MAJOR and MINOR offences. Major offences include all criminal driving offences i.e.. Impaired Driving, and the following Highway Traffic Act offences: Fail to remain at an accident, Fail to stop for Police, Careless Driving, Fail to stop for school bus, Racing, Speeding over 50 km/h, Fail to report accident, Driving while under suspension, and any G1 or G2 Drivers license conditions offences. A major conviction can result in a premium increase of 50-300% or higher. Your insurance company may also choose not to renew your policy, and you would then be labelled as a high risk driver, and placed into facility insurance where the premiums are very high. You could remain there for 3 years (minimum) or longer.

    A driver's license suspension for unpaid fines or any other reason will appear on your driving record resulting in an increase in your premiums or cancellation of your policy.

    Fraud or misrepresentation to the insurance company is also considered a major offence and will be held against you for up to 6 years.

    Minor offences include any other Highway Traffic Act, Compulsory Automobile Insurance Act, or Municipal traffic bylaw offences. Speeding convictions between 30-49 km/h over the limit are treated more seriously than a minor offence by some insurance companies but not as serious as a major offence. These higher speeding convictions can have an immediate premium increase.

    By-law parking tickets may not affect your driver's license and they may not reflect on your driving record.

    Some insurance companies will not renew your policy if you have 3 or more convictions on your record within a 3 year period. Convictions are held against you by the insurance companies for a minimum of 3 years before they forgive and forget. Insurance companies hold all convictions against you whether they are equipment or minor offences that carry no demerit points. Insurance companies are not interested in demerit points in most instances, but insurers of commercial fleets can consider a driver's demerit and CVOR points. If the driver has 6 or more demerit points on their record, they can be deemed un-insurable by the insurance company.

    All convictions remain on your driving record for the rest of your life. Only demerit points subtract off your record after two years from the date of the offence. Pardons only apply to criminal driving offences, if granted.

    Insurance companies assess fault in relation to accidents. If you are assessed an at fault accident, it will be held against you for a minimum of 5 years before the insurance company forgives and forgets. Additional at fault accidents within the 5 years will further increase your risk factor as a driver and further increase your premiums.

    Insurance companies differ on their policies with regards to the number of convictions and time limits etc. A few things to make note of if you receive a ticket. Before you act on the ticket consult with someone as to the repercussions. Some charges carry very high fines, into the thousands of dollars, drivers license or motor vehicle permit suspensions, demerit points, and even jail.

    It is not unusual for some unfortunate drivers to be paying several thousand dollars for car insurance because they didn't react properly to a ticket. Before you pay that ticket, get the facts first.

  • Demerit Points
    Demerit Points and Traffic TicketsDemerit points accumulate against your license when you are convicted of a traffic ticket charge like speeding or careless driving. Each specific traffic ticket carries a specific amount of demerit points that has been decided by the Ministry of Transportation of Ontario or MTO for short.
    For a Full G License, when you reach 9 demerit points on your driver's license the Ministry of Transportation of Ontario (MTO) may call you in for an interview where you must argue why your license should not be suspended.
    Once your driver's license reaches 15 demerit points your license will be automatically suspended. This can happen quickly with 2 careless driving charges. For a G2 or G1 license, when you reach 4 demerit points the Ministry of Transportation will suspend your license. Demerit points stay on your drivers abstract or record for 2 years from the date of the offense.
    Below is the list of traffic ticket and moving violations and their respective demerit points that your license will accumulate if you are found guilty of a traffic ticket.

    Click on an offense below to see the likely cost in demerit points and information about your offence...
    Backing on a highway
    Careless Driving
    Crossing a divided road where no proper crossing is provided
    Crowding the driver's seat
    Driver failing to ensure infant/child passenger is properly secured in an appropriate child restraint system or booster seat
    Driver failing to ensure that a passenger less than 23 kg is properly secured
    Driver failing to ensure that a passenger under 16 years is wearing a seat belt
    Driver failing to wear a seat belt
    Driver of a bus failing to stop at an unprotected railway crossing
    Driving or operating a vehicle on a closed road
    Driving the wrong way on a divided road
    Exceeding the speed limit by 16 to 29 km/h
    Exceeding the speed limit by 30 to 49 km/h
    Exceeding the speed limit by 50 km/h or more
    Failing to lower headlamp beams
    Failing to move, where possible, into another lane when passing a stopped emergency vehicle
    Failing to obey a stop sign, traffic control stop/slow sign, traffic light or railway crossing signal
    Failing to obey signs
    Failing to obey the directions of a police officer
    Failing to remain at the scene of a collision
    Failing to report a collision to a police officer
    Failing to share the road
    Failing to signal
    Failing to slow and carefully pass a stopped emergency vehicle
    Failing to stop at a pedestrian crossing
    Failing to stop for a school bus
    Failing to stop when signaled/requested by a police officer
    Failing to yield the right-of-way
    Following too closely
    Going the wrong way on a one-way road
    Improper driving when road is divided into lanes
    Improper left turn
    Improper opening of a vehicle door
    Improper passing
    Improper right turn
    Improper use of high occupancy vehicle lane
    Prohibited turns
    Racing
    Reversing on a divided high-speed road
    Towing people — on toboggans, bicycles, skis, etc.
    Unnecessary slow driving
  • Traffic Ticket Questions - What Are the Demerit Points For Speeding Tickets?
    • Up to 15 Kms/hr over the limit – 0 points
    • 16 – 29 Kms/hr over the limit – 3 points
    • 30 – 49 Kms/hr over the limit – 4 points
    • 50 + Kms/hr over the limit – 6 points or a possible suspension up to 30 days
  • Traffic Ticket Questions - Will Tickets With No Demerits Increase My Insurance?
    It all depends on your insurance company and your driving record. Most companies will allow three minor convictions, regardless of demerit points, over a three year period without any increase in premium. The fourth conviction and beyond will more than likely cause an increase.
  • Traffic Ticket Questions - Why Fight a Traffic Ticket?

    No one wants to accumulate demerit points on their drivers licence.

    No one wants their insurance premiums to go up.

    Not everyone is guilty as charged.

    Police officers are human. They sometimes make mistakes. So do drivers but it doesn’t mean they should be convicted of a particular offence or penalized for momentary inattention.

    Pleading guilty to a charge resulting from a collision could have devastating consequences in any future civil action.

    Before doing anything you should see a POINTTS Licensed Paralegal for an expert evaluation of your situation.

    It doesn’t cost anything to see us but, it could cost you a lot if you don’t.

  • Traffic Ticket Questions - What Are the Worst Driving Habits?

    Eight out of ten Canadian drivers admit that they have one or more bad driving habits. A poll released by Kanetix.ca and Leger Marketing shows that the most common bad driving habit is the consumption of food and beverages while driving, with 39% of drivers admitting to this driving habit.
    "Our poll clearly indicates many motorists have no qualms with eating or drinking behind the wheel, however, when drivers take their eyes off the road, even for a second, there can be serious consequences," advises Kanetix.ca'sJanine White, Director, Marketplace.


    Speeding is a close second with 36% followed by talking/texting on a cell phone at 18%.
    Men seem to have particular problems with speeding as 41% of male respondents listed speeding as their number one driving vice. Ontario drivers seem to be the worst speeding offenders among the provinces with 42% of Ontario drivers admitting to speeding in excess of the speed limit.
    However, Getting to work faster may come at a heavy price since even if speeders avoid an accident many insurance companies will increase insurance rates as much as 15% for a single speeding ticket.

    Following too closely may only be number four on the list of bad driving habits (with 16% of drivers admitting to this mistake) but the Ontario Provincial Police list following too closely as the number one leading cause of collisions.

    Here is a summary of the survey results:

    Consuming food or beverages while driving.................  39% 
    Speeding...............................................................  36% 
    Talking/Texting on my cell while driving.....................  18% 
    Following too closely...............................................  16% 
    Road rage..............................................................  11% 
    Failing to signal.......................................................  10% 
    Weaving in and out of traffic......................................  7% 
    Applying makeup while driving....................................  3% 
    Parking illegally........................................................  3% 
    Parking in handicap spaces........................................  2% 
    Driving in the carpool lane.........................................  1% 
    Other.....................................................................  3% 
    None of the above - I am a perfect driver...................  19%





     

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  • Thank you for your help and time with my case.  Should anyone I know be in a similar situation I will recommend Pointts to them.
    Janice F
  • Received your letter concerning my traffic ticket, thank you for such good and personal service. I appreciate you getting me a lesser offence. You have an excellent and friendly staff.
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    Jack M
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