Got $40 Speed Ticket, Can My Insurance Rate Increase?
Hi,
Can a $40 speed ticket (10 km above limit) increase my insurance rate?
Thank you,
Re: Got $40 Speed Ticket, Can My Insurance Rate Increase?
This depends on your insurance company and the previous convictions.
It may or it may not.
Try this insurance company Johnson Insurance Inc. i think thats the name, just don't want to go to a car right now. they are really good even with couple of tickets. I am not advertising just passing on the information.
Re: Got $40 Speed Ticket, Can My Insurance Rate Increase?
Thank you for help.
I am actually in the process of switching to Johnson insurance.
Do I have to report a 40$ ticket when they ask?
Thanks again
Re: Got $40 Speed Ticket, Can My Insurance Rate Increase?
Well did you get convicted of it? or its still standing?
and besides you never have to tell anybody about your convictions. you have a right not to incriminate yourself. if for example, the broker or in this instance anyone, asks you if you have any convictions you say "none that i can recall". so that if they tell you after "well, i can see there is a speeding ticket on your record!" you just innocently reply "oh, i'm sorry, there might be one, i honestly forgot.. or but i thought it is gone from my record!". you can always tell them you fought the ticket and you won the case and you don't know why it is still on the record.
chances are that the insurance broker will never check on you again, but will not consider much of this ticket at this moment, so he might just ask you to figure this out and send him a copy of the MTO report after you dealt with this matter. you don't have to send him anything, and thats as far as it will go.
also build a good relationship with a broker.
i have two tickets on my record which the courts sent the convictions for after i won the appeal and dismissed the charges. i got my license suspended then called the court, got it reinstated, and now again out of nowhere they appeared on my MTO record again!! what a hassle...
good luck
- Radar Identified
- High Authority
- Posts: 2881
- Joined: Mon Sep 08, 2008 8:26 pm
- Location: Toronto
Re: Got $40 Speed Ticket, Can My Insurance Rate Increase?
Ivan wrote:you can always tell them you fought the ticket and you won the case and you don't know why it is still on the record.
No, you can't. They will investigate if they have any suspicions (which usually happens the second you have to file a claim). They do have access to these records. They will go so far as to order court transcripts and find out if you are being truthful to them. If you lied to them, you can go to jail for Insurance Fraud. Usually they will refuse to pay your claim or terminate your coverage, but jail is a possibility.
Not incriminating yourself is for testimony in court. It has nothing to do with insurance companies, who are allowed to ask for this information under the Insurance Act. They can check the records themselves, but if they ask you, just answer them truthfully. If you're not sure, best to admit "I'm not sure, you should check the record."
http://www.OntarioTicket.com OR http://www.OHTA.ca
-
- Similar Topics
-
-
New post First speeding ticket will my insurance increase?
by qwerty1205 in General TalkLast post by jsherk Wed Jun 03, 2015 9:28 am
-
-
-
New post Speeding ticket for going 60km in 50km zone. Worried about insurance increase :(
by Pepsi in General TalkLast post by Pepsi Sun May 27, 2018 9:31 am
-
-
-
New post Company vehicle and insurance rate
by OttawaGirl in General TalkLast post by bend Tue Apr 02, 2013 12:35 am
-
-
-
New post Speed can Increase at trial - Court of Appeal
by hwybear in Courts and ProcedureLast post by hwybear Sun Sep 13, 2009 12:23 pm
-
-
-
New post General Rule for Insurance Increase
Last post by Radar Identified Sat Jun 19, 2010 11:52 pm
-
-
-
New post Polive testifying about visually observing high rate of spd
Last post by Radar Identified Tue Mar 30, 2010 10:46 pm
-
-
-
New post Exceeding the speed limit and no insurance?
Last post by Simon Borys Sun Mar 20, 2011 3:11 pm
-
-
-
New post Speeding ticket with posted speed different than bylaw speed
by jsherk in General TalkLast post by jsherk Sat Jun 20, 2015 8:46 am
-
-
-
New post Insurance Card Offence - warned for speed
by Stiratel in General TalkLast post by Stiratel Sun Jun 07, 2009 7:14 pm
-
-
-
New post Ticket Speed and Disclosure speed are different
Last post by Stanton Sat Mar 19, 2011 11:23 am
-
Who is online
Users browsing this forum: No registered users and 5 guests