Hey guys this is my second time posting. A while back actually about 5 month ago I got a ticket for proceeding contrary to sign at intersection 144(9). When the officer was asking me for my insurance and drivers license, i did not have the new insurance slip, 
thus he also gave me a ticket for…
Hello all
(simon or anyone else can feel free to answer)
I requested disclosure of a radar manual in original disclosure request. Didn't get disclosure until trial date, so an adjournment was granted. At that time the Provincial Prosecutor stated that it wasn't his policy to release the manual to…
so last night i was driving home at around 1am
i was going 120 in a 100 when a car started tailgating me (almost bumper to bumper)
i sped up in order to put some distance between us but it wouldnt leave me alone for over 10 minutes.
i was exhausted and not paying attention to my speed guage i ended up…
Hey folks. New forumer here.
Just curious to hear a few opinions on the following video taken at a photo enforced intersection.
As you can see, the light was still yellow for a fraction of a second as the camera-car entered the intersection (crossed the stop line), but it was close.
I drive a Honda Civic and we all know how those are when it comes to theft. On my driveway my brothers car was stolen twice and once broken in to. Also a few other cars have been stolen on my street. I have an alarm and all that. But say my alarm was going off and I ran outside and fought off the…
Hello all, yesterday I received a ticket for parking in a handicapped spot outside of school. I was done classes and had to load up my van with some very heavy and awkward items for transport. I had been parked in the garage across the street for the duration of my classes and decided to bring…
Sometimes I find plain simple English not quite so simple:
Green arrow(14) Every driver approaching a traffic control signal showing one or more green arrow indications only or in combination with a circular red or circular amber indication and facing the indication may proceed only to follow the…
Hi, recently I was driving home around 2:30pm from the bus stop I drive to in order to bus to school. I was traveling down Kennedy just past 19th seatbelt on, doing the speed limit. About one and a half kilometers past the intersection of Kennedy and 19th a fox sprinted across the road. I swerved…
General Rule for Insurance Increase
Hi,
I did a search but found no info with regards to the number or type of infractions that will trigger your insurance to increase.
Is there a general rule of thumb for this?
I have heard a few difference of opinins on this such as 3 infractions regarless of the severity will cause an increase, and also if a ticket is below 15km over it will have no effect.
Can anyone shed some light?
Cheers
Re: General Rule for Insurance Increase
thread moved from "general" to insurance area.
Might want to check out the insurance links page
Re: General Rule for Insurance Increase
I think this really depends on your particular insurance company and your particular policy. My personal opinion is that everything causes an insurance increase, even getting no tickets. Last year my policy went up. When I called them and asked why they said, "General rate increase." Whatever...
Re: General Rule for Insurance Increase
mdevo wrote:Is there a general rule of thumb for this?
Not really, as Simon said. Depends on the insurer. For example, my provider does not give an increase for a single "minor" infraction, such as 15 km/h over the limit. A second minor infraction within a 3-year period results in a surcharge. Many others, however, will increase your rate for ANY infraction.
While insurance companies look at all sorts of information to minimize their financial risk (i.e. the payouts they'll have to make versus revenue), they interpret risk data a bit differently. When I moved to the US for two years, I did some on-line research, and saw one insurance company would've charged me $2000 more per year in premiums for a single speeding ticket. Curious as to what it would be for a more severe infraction, I changed the criteria while filling out the on-line quote, and I was stunned to discover my rates would've been lower if I had two drunk driving convictions and smoked a pedestrian. 
(Of course I don't have any drunk driving convictions and haven't hit a pedestrian, but that experiment with the insurance quote floored me.) Conversely, the provider I ended up choosing charged $25 more per year for a single speeding ticket of 10 mph over or less. Yet, both insurance providers, same state, same coverage area, same driver. Make sense? Didn't think so...
