Hi Timoc in case of reiterating, I recently got a ticket so spent my whole weekend googling. 1> (insurace confirmed with me months ago b4 offence that) demerit point is not relevant, it's the conviction, HOWEVER, they come as minor, major and serious. IF you have only 1 minor, chances are your insu...

Hello! I just had a similar situation and I am a student as well. If you go for a lawyer, it might cost you 400+ and if the cop show up on the court, you might only have little chance to win while you still have to pay the lawyer. Since you have already contacted your insurance provider, you might w...

Why would you communicate with your insurance provider ? Leave it for them to find it out if and when they do a check on renewal. One ticket isn't going to break the bank on a premium and my agency don't increase at all for the first. so would you suggest me just pay for the ticket or go on the cou...

Most people, police included, are of the belief that no demerit points equals no insurance increase. The belief is probably reinforced by the fact that most providers overlook a driver's first minor conviction or never find out about it the first place. I truly don't think it's a case of the police...

Did the officer look like an insurance agent? Think for yourself first and foremost. You might want to contact your insurance company and ask some very general questions about how they increase rates based in tickets. Thank you! If the company will increase the insurance, do you have an idea roughl...

You'll have to contact your insurance provider to find out. Some will ignore your first ticket, others may increase your rates. It actually has nothing to do with the fact that it's a speeding ticket. Any ticket (i.e. expired licence plate sticker, burnt out headlight) can increase your rates. Than...

Hello everyone. Thank you for your time to help me who has totally no experience to deal with a ticket. I was caught by police driving at 60 km/h in a 50 km/h zone one King St. W., Hamilton. They asked for my license and ownership but no my insurance and gave me a $40 ticket contrary to HTA 128. The...