Thanks everyone :) I have had my licence (starting from my G2) for at least 7 years. I got a 15 km over speeding ticket in the summer of 2013, but nothing else. I have called my insurance company who said if I get a minor ticket on my record from this accident, the surcharge should be 0%, presumably...

Okay, hopefully I will get offered a reduction. Any idea how much a follow to close would affect insurance rates? Not nearly as much as careless I assume?

Hi I was in an accident a week ago where I rear ended someone and ended up with a careless driving ticket. I was driving towards a light that had just turned green. The cars ahead of me were increasing in speed from stop to go. I slowed down but not anticipating a stop because traffic had begun movi...