Automotive

Demerit Points do not affect Insurance!!

  • Last Updated:
  • Mar 6th, 2018 12:04 am
Member
Nov 28, 2006
458 posts
62 upvotes
Red light cameras should not affect your insurance rates
You're in good hands
Deal Fanatic
User avatar
Aug 11, 2008
7646 posts
753 upvotes
Ontario
they don't
tchoke wrote:
Feb 3rd, 2018 6:54 am
Red light cameras should not affect your insurance rates
RIBO LICENCED INSURANCE BROKER, over 30 years experience
Newbie
Jun 7, 2017
29 posts
15 upvotes
ctrueman82 wrote:
Jul 29th, 2017 8:09 pm
This assumes you`ll fight it in court/meet to reduce:

The ticket won't show up until you`re convicted. You aren't obligated to disclose this to insurance yet because you haven't been found guilty. So if you get a new policy before your conviction they won't see it until they pull your record which may not be a few years from now.
Problem is it was a accident and ticket for "unsafe left turn" it was my fault... Im thinking when they renew they will pull tickets for sure.
Jr. Member
Mar 13, 2017
155 posts
23 upvotes
I am with Johnson Insurance. On average how much will my premiums increase from a 2nd speeding ticket in a 3ish year period? I got a speeding ticket, 15 over, in June of 2015 and my premiums actually decreased. I just got another now, 17 over. But I will fight it.

I suppose I'm in for an increase now. But how much on average? I know you can't give me an exact amount. Since it has been almost 3 years, will this impact anything? Or am I screwed for the next 3 years?
Deal Expert
User avatar
Apr 21, 2004
43876 posts
11149 upvotes
I think there was a police car on Bronte road in Oakville while I was doing 70 on a 60 and I forgot to slow down but the officer didn't seem to care, lol.

It was a unmarked vehicle but I'm 90% sure it was a police car because I saw those sirens/flashers.

Next time I should slow down to 65 just in case.
Newbie
User avatar
Nov 3, 2017
88 posts
10 upvotes
I got a ticket in Markham for turning left at an intersection when left turn is not allowed between 7-9am. Got fined $110 and 2 demerit points. I chose to go to trial because I thought demerit points would affect my insurance premium.

It's set for near the of this year. Going to trial I don't even know how to fight it, in fact my intention was just hoping to tell them I hardly ever drive during peak hours and so I wasn't aware of that, hoping that they will change it to 0 points, but from what I read here, saying convictions will affect insurance premiums but demerit points won't?

Now if I go to trial, if police shows up and I have to plead guilty, does that mean it's a conviction and will affect my insurance premium? So should I go to trial or not and just pay the fine now? Which is better in terms of not affecting my insurance premium?

Also, when I went to the court office last time, they said I can either choose to talk to someone there and possibly get a reduced fine plus 2 points, or choose to go to trial. Now if the advice is to just pay the fine and not go to court, do I still get a chance to get the fine reduced? By paying at court office?

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