Automotive

Out of province speeding ticket affect Ontario insurance?

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  • Jul 2nd, 2018 11:22 pm
[OP]
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Out of province speeding ticket affect Ontario insurance?

Hello all,

I have just received a speeding ticket while going to banff with a rental car. I dont have a problem paying the (I am an ontario resident) fine, but can anyone tell me if this will go into my ontario driving record? I have been searching all over the web and while some would say that it wont affect my insurance back in Ontario, some said it will.

Thank you all.
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blitzforce wrote: Hello all,

I have just received a speeding ticket while going to banff with a rental car. I dont have a problem paying the (I am an ontario resident) fine, but can anyone tell me if this will go into my ontario driving record? I have been searching all over the web and while some would say that it wont affect my insurance back in Ontario, some said it will.

Thank you all.
Quite sure it will end up on your record eventually. As I see it, only BC, Quebec do not have a reciprocal agreement with Ontario.
https://www.theglobeandmail.com/globe-d ... e37037235/
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blitzforce wrote: Hello all,

I have just received a speeding ticket while going to banff with a rental car. I dont have a problem paying the (I am an ontario resident) fine, but can anyone tell me if this will go into my ontario driving record? I have been searching all over the web and while some would say that it wont affect my insurance back in Ontario, some said it will.

Thank you all.
What kind of speeding ticket was it, camera or officer?
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BeaverLiquor wrote: Quebec and Ontario do have a reciprocal agreement.
OK, as of November 27, 2017, when the article I linked was written, it did not.
"The Canadian Driver Licence Compact (CDLC) is a 1990 agreement to share driving records between the provinces and territories.
Everyone signed it – except B.C., Quebec and Nunavut."
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Pete_Coach wrote: OK, as of November 27, 2017, when the article I linked was written, it did not.
"The Canadian Driver Licence Compact (CDLC) is a 1990 agreement to share driving records between the provinces and territories.
Everyone signed it – except B.C., Quebec and Nunavut."
Nope it’s been in place for a long while.

Full article:

I live in Ontario but I'm in British Columbia temporarily for work and am driving a rental car. I was issued a $135 speeding ticket for going 84 km/h in a 50 km/h zone. Will this offence and the demerits be added to my Ontario driving record? – Cheryl

If you'd been caught speeding in most any other province or territory, you'd be getting demerits on your Ontario licence.

But what happens in British Columbia, stays in British Columbia.

"B.C. offences by out-of-province drivers are not shared with other jurisdictions," Lindsay Olsen, spokeswoman for Insurance Corp. of British Columbia, said in an e-mail.

The Canadian Driver Licence Compact (CDLC) is a 1990 agreement to share driving records between the provinces and territories.

Everyone signed it – except B.C., Quebec and Nunavut.

So, in British Columbia, that means out-of-province drivers won't have B.C. tickets added to their driving records – and vice versa. "If a B.C. driver were to receive a violation ticket – for example, a speeding ticket – outside of our province, it would not be added to their driving record in B.C.," Olsen said.

The exception? Criminal Code convictions, including impaired driving, appear on all provincial and territorial driving records "… so it would be added to a driver's record in B.C., no matter where in Canada the offence occurred," Olsen said.

Share and share alike?

But in most other province, offences away from home will get added to your driving record, the same as if they'd happened at home.

For example, if you live in Ontario and get a speeding ticket in Saskatchewan, you'd get the equivalent number of demerits added to your licence. And the reverse is true.

"Saskatchewan belongs to [the CDLC] where the guiding principle is one driver, one driver's licence and one driver record," said Tyler McMurchy, spokesman for Saskatchewan Government Insurance, in an e-mail. "This agreement furthers highway safety by treating similar convictions and administrative sanctions that occurred in one province as if they had occurred in the driver's home province."

That includes demerits. Demerits are strikes against your driving record – if you get too many, your licence will be suspended. The rules for how out-of-province demerits are applied vary by province.

According to the Ontario Ministry of Transportation , only demerits from certain out-of-province offences – including speeding, failure to obey a stop sign or signal, and failure to stop for a school bus – will get added to your Ontario licence.

But that doesn't mean an Ontario driver's record will stay unscathed if they're caught speeding in Quebec.

Quebec and Ontario have their own reciprocal record-sharing agreement, which means that all offences – and demerits – will be shared between the two provinces.


Outside of the CDLC, some provinces have their own agreements with American states. Ontario has agreements with New York and Michigan, while Quebec has agreements with Maine and New York.

If you don't pay

And if you don't pay your out-of-province speeding ticket?

It varies. In British Columbia, the province can get a collection agency to go after out-of-province drivers for the unpaid fine, Olsen said.

Provinces also have the ability to go through the Canada Revenue Agency and take the amount owing from GST rebates and income tax refunds, McMurchy said.

Even when driving records are shared between jurisdictions, your home province can't prevent you from renewing your driver's licence or registration for an unpaid ticket from another province, the way it would for an unpaid ticket at home. But, if you go back to a province where you have unpaid tickets, you could get pulled over.

"In Ontario, MTO does not have the authority to force the driver to pay an out-of-province ticket," said Brian Smiley, spokesman for Manitoba Public Insurance. "If the driver returns to Manitoba, Manitoba does not have the authority to suspend the out-of-province driver – but the driver could be detained by police."
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BeaverLiquor wrote: Nope it’s been in place for a long while.

Full article:

....
OK
I believe the OP was asking about a ticket in Alberta.
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Pete_Coach wrote: OK
I believe the OP was asking about a ticket in Alberta.
Yes, I know, but you falsely said Ontario and Quebec didn’t have a reciprocal agreement. And the ticket depends if it was a speed trap/camera ticket or one given by an officer.
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BeaverLiquor wrote: Yes, I know, but you falsely said Ontario and Quebec didn’t have a reciprocal agreement. And the ticket depends if it was a speed trap/camera ticket or one given by an officer.
OK, .....just quoted what was in the article.
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The ticket will likely appear on your Ontario record which ultimately might affect your insurance.

What happens if I get out-of-province demerit points?
If you have been convicted of a driving offence in another Canadian province, the State of New York or Michigan, demerit points will be added to your driving record just as if the offence happened in Ontario.

https://www.ontario.ca/faq/what-happens ... rit-points
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I had a similar situation, but I paid $195 for a firm in Calgary called ‘The Pointman’. They successfully guaranteed my ticket would be dropped/cancelled or my money back. And it was! They are awesome!

http://www.thepointman.ca/
[OP]
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tcharged wrote: I had a similar situation, but I paid $195 for a firm in Calgary called ‘The Pointman’. They successfully guaranteed my ticket would be dropped/cancelled or my money back. And it was! They are awesome!

http://www.thepointman.ca/
Does anyone else have any experience with this firm? When I went to a traffic court in Toronto Ive noticed that most of these paralegals just ends up pleading guilty on behalf of the defendants. Which will still be a conviction on the driving record.
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blitzforce wrote: Does anyone else have any experience with this firm? When I went to a traffic court in Toronto Ive noticed that most of these paralegals just ends up pleading guilty on behalf of the defendants. Which will still be a conviction on the driving record.
I was also concerned about this as well. They guaranteed ticket was dropped and nothing on my record in writing or money back. Not sure of any in the GTA who do this.
[OP]
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tcharged wrote: I was also concerned about this as well. They guaranteed ticket was dropped and nothing on my record in writing or money back. Not sure of any in the GTA who do this.
I thought the only way is to plea not guilty, but on their website they said they can negotiate to not have the conviction off of my record. I thought this isnt possible.
Last edited by blitzforce on Jul 3rd, 2018 7:56 am, edited 1 time in total.
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blitzforce wrote: I thought the only way is to plea not guilty, but on their website they said they can negotiate to not have the conviction on my record. I thought this isnt possible.
I am living proof that this is 100% possible. Highly recommend them.

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