In Ontario, insurance companies rate charges based on MINOR, MAJOR or SERIOUS and do not care about demerit points at all. However a charge with greater demerits is more likely to be considered more severe (Major or Serious instead of Minor) so you need to check with your insurance company as to the specifics of the charge.CNeufeld wrote: ↑Oct 6th, 2017 10:04 amChill, dude.
1) Tickets with more demerit points are sometimes classified as more severe with regards to insurance. So the one with more demerits might have a bigger impact on the poster's insurance.
2) That's why I asked if they had verified if the one ticket impacted their insurance more than the other. Nobody was stating that it was going to impact it more just because it was more insurance.
Reading comprehension is a good thing. Overreaction is not.
In Ontario, all insurance companies treat speeding 1 to 15 over (0 demerits) as a MINOR and they also treat all speeding 16 to 29 over (3 demerits) as a MINOR as well. So anything from 1 over to 29 over will affect your insurance exactly the same, regardless of whether it is a 0 or 3 demerit charge.
In Ontario, some insurance companies also treat speeding 30 to 49 (4 demerits) as a MINOR as well, but some insurance companies treat this a MAJOR instead of a MINOR. You have to ask your insurance company specifically how they treat it.
A MAJOR is going to have a much greater impact on insurance increase than a MINOR.
I am not a lawyer and I am not a paralegal and I do not give legal advice.
All statements made are my opinion only.