Demerit Points do not affect Insurance!!

[VindiCated]

Is a parking ticket considered a conviction?

[actng]

yes but not a moving violation so insurance doesn't care about parking tickets.

[COSMIC5]

no

Is a parking ticket considered a conviction?

[VindiCated]

awesome, thanks guys!

[COSMIC5]

and gals.....lol

awesome, thanks guys!

[randomdef]

when did this become the ontario forum. insurance and licensing is provincially mandated.

i might be wrong, but demerits come from tickets, and tickets DO affect your insurance.

[COSMIC5]

Yes, you are correct, TICKETS affect insurance, but the point of this ~ insurance companies do not consider demerit points when rating for auto insurance.

when did this become the ontario forum. insurance and licensing is provincially mandated. i might be wrong, but demerits come from tickets, and tickets DO affect your insurance.

[rems]

when did this become the ontario forum. insurance and licensing is provincially mandated.

i might be wrong, but demerits come from tickets, and tickets DO affect your insurance.

all this thread is saying that if you get a speeding ticket with no points (like going 15 over), it may still affect your insurance. 1 ticket with 0 points is the same as 1 ticket with 3 points when it comes to insurance.

[RFDkit]

Okay, let me try to digest this. If I get a speeding ticket 20km over speed limit with 3 demerit points, I should just pay the ticket and accept the 3 demerit points rather than fight it in court and get a conviction by accepting a reduced charge?

[rems]

Okay, let me try to digest this. If I get a speeding ticket 20km over speed limit with 3 demerit points, I should just pay the ticket and accept the 3 demerit points rather than fight it in court and get a conviction by accepting a reduced charge?

i dont think anyone is saying that. What we are saying is that if you get that charge reduced to 0 demerits, it will still count the same as if you got the one with 3 demerits when it comes to insurance.

[RFDkit]

i dont think anyone is saying that. What we are saying is that if you get that charge reduced to 0 demerits, it will still count the same as if you got the one with 3 demerits when it comes to insurance.

Convictions on the other hand do impact your insurance. So if you plead guilty to a reduced fine and 0 points, guess what?!? That will still affect your insurance, as long as you plead guilty, you will have a conviction on your record. This isn't even a deal, because the likelihood of losing your license due to demerit points is so far fetched in my mind, unless you enjoy drinking and driving and get 3 tickets a year I dont know how you can lose your license.

Question, if paying a speeding ticket without fighting it in court, does it count as a conviction?

[Shaner]

Question, if paying a speeding ticket without fighting it in court, does it count as a conviction?

Yes, of course. By paying the fine you are pleading guilty, hence a conviction.

[COSMIC5]

Of course as it will be on your drivers abstract...

Question, if paying a speeding ticket without fighting it in court, does it count as a conviction?

[Tomy]

Of course as it will be on your drivers abstract...

if i was convicted and in the process of appealling, what's gonna show up on my abstract?

[ticketcombat]

when did this become the ontario forum. insurance and licensing is provincially mandated.

Just some quick research I did. Auto insurance is sold across Canada by private sector companies. However in BC, Saskatchewan and Manitoba, government-run insurance companies (public sector) sell the basic/required minimum auto insurance and compete with the private sector for the “top-ups” to the basic policy.

In Quebec injury and death claims are handled by the public sector while the private sector covers property and automobile damage and out of province injury claims.

Saskatchewan, Manitoba and Quebec public sector insurance use demerit point accumulation to determine rates. I couldn't figure out if BC does. They have over 150 rate groups so there may be rate setting that factors in demerit points.

So depending where you live, demerit points can affect your auto insurance. From the discussion on page one, the Ontario experts say that this is not the case in Ontario.