Ontario Auto Insurance: Points vs. Convictions
05-24-2005, 03:45 PM
#11
you people in ontario are lucky!
My insurance is ridiculous, because of have 6 speeding tickets (2 expire in a bit, so my next year's insurance will be cheaper). I pay the same price as a person that wrote off a vehicle. Go figure?
My insurance is ridiculous, because of have 6 speeding tickets (2 expire in a bit, so my next year's insurance will be cheaper). I pay the same price as a person that wrote off a vehicle. Go figure?
05-24-2005, 05:57 PM
#13
1000 Watt CAFz'r
Join Date: Jun 2004
Posts: 1,024
Originally posted by Hardcore Rock Superstar:
you people in ontario are lucky!
My insurance is ridiculous, because of have 6 speeding tickets (2 expire in a bit, so my next year's insurance will be cheaper). I pay the same price as a person that wrote off a vehicle. Go figure?
you people in ontario are lucky!
My insurance is ridiculous, because of have 6 speeding tickets (2 expire in a bit, so my next year's insurance will be cheaper). I pay the same price as a person that wrote off a vehicle. Go figure?
For me to get insurance in Ontario, it would cost about $5500 - $6000 a year, and thats with no collision and comprehensive coverage.
Edit: Ive had one minor speeding ticket (96 in an 80) and one accident.
[ May 24, 2005, 07:00 PM: Message edited by: coulter ]
05-24-2005, 06:40 PM
#14
Damn I love running my Saskatchewan plates. 600 a year, full coverage, 200 deductable. And I have one at fault accident, two not at fault accidents one of which resulted in my vehicle being totalled. And two tickets. Its going to be a bitch though when I have to get Alberta insurance in December.
05-24-2005, 06:46 PM
#15
500 Watt CAFz'r
Join Date: Mar 2004
Posts: 820
If you don't get convicted you can't get points for it. The points don't go on your licence until you are convicted.
Each insurance company is different. Some with let you have 1 minor ticket, some will let you have 2 or 3 before increasing your insurance rates.
The reason that the person above's insurance went up even though the ticket was nullified has nothing to do with the ticket. If the insurance company has to pay out, they consider you a more at risk person and will charge you more. It's the same as if you claim a new windshield ever 3 months, they don't care why you are breaking so many windshields, they just know that you break them. Then will then increase your rates.
Hope that helps a bit,
Craig G
Each insurance company is different. Some with let you have 1 minor ticket, some will let you have 2 or 3 before increasing your insurance rates.
The reason that the person above's insurance went up even though the ticket was nullified has nothing to do with the ticket. If the insurance company has to pay out, they consider you a more at risk person and will charge you more. It's the same as if you claim a new windshield ever 3 months, they don't care why you are breaking so many windshields, they just know that you break them. Then will then increase your rates.
Hope that helps a bit,
Craig G
05-24-2005, 07:08 PM
#16
my thoughts were in comparison to BC and Sask(<-edit, i accidentally said manitoba - i know nothing about manitoba), who i guess have it pretty good.
[ May 25, 2005, 12:44 AM: Message edited by: Hardcore Rock Superstar ]
[ May 25, 2005, 12:44 AM: Message edited by: Hardcore Rock Superstar ]
05-24-2005, 08:27 PM
#17
It's funny how much SK and to a lesser extened MB plates I see running around EDM. Probably not just relatives visiting.
But at the same time, if I had close relatives in the USA i never would have "imported" an american car. Just leave it reg'd and insured to and american address forever like a co worker. (A viper with Montana plates that has only been in the US one week out of the last 4 years)
But at the same time, if I had close relatives in the USA i never would have "imported" an american car. Just leave it reg'd and insured to and american address forever like a co worker. (A viper with Montana plates that has only been in the US one week out of the last 4 years)
05-24-2005, 08:31 PM
#18
The thing is though if you get into an accident and are living in Alberta, but running SK plates, you have absolutely no insurance. When I totalled off my car, I had to send them all kinds of paperwork proving that I was a full time student at the time. IF they can prove that you are running illegal plates, you have no liability and can be sued and lose everything.
05-24-2005, 09:27 PM
#19
Guest
Posts: n/a
Originally posted by Drew:
The thing is though if you get into an accident and are living in Alberta, but running SK plates, you have absolutely no insurance. When I totalled off my car, I had to send them all kinds of paperwork proving that I was a full time student at the time. IF they can prove that you are running illegal plates, you have no liability and can be sued and lose everything.
The thing is though if you get into an accident and are living in Alberta, but running SK plates, you have absolutely no insurance. When I totalled off my car, I had to send them all kinds of paperwork proving that I was a full time student at the time. IF they can prove that you are running illegal plates, you have no liability and can be sued and lose everything.
