Search found 8 matches

by Thunderwriter
Thu Oct 04, 2012 9:19 pm
Forum: Compulsory Automobile Insurance Act
Topic: Hit by a drunk and I don't have insurance
Replies: 27
Views: 4707

Re: Hit by a drunk and I don't have insurance

Thunderwriter wrote:- The general conditions of the OAP4

Correction; OAP 1. Ontario Auto Policy, available online at FSCO's website. This is the standard driver's auto policy. Typo on my part, the OAP4 is a commercial garage auto policy.
by Thunderwriter
Thu Oct 04, 2012 9:10 pm
Forum: Compulsory Automobile Insurance Act
Topic: Hit by a drunk and I don't have insurance
Replies: 27
Views: 4707

Re: Hit by a drunk and I don't have insurance

Ironically, the MTO sent a letter to my home indicating that they believed that the car was unisured and when plate renewals come I would have to show proof of insurance - but the letter came a couple of weeks after the accident - just a little too late. And before that is jumped on - I don't belie...
by Thunderwriter
Thu Oct 04, 2012 8:56 pm
Forum: Compulsory Automobile Insurance Act
Topic: Hit by a drunk and I don't have insurance
Replies: 27
Views: 4707

Re: Hit by a drunk and I don't have insurance

Julio wrote:Im wondering, if the guy wasnt drunk, but still his mistake and got seriously injured. Could he sue her because she wasnt even supposed to be on the road in the first place since she wasnt insured?"
He would be indemnified by his insurer and they would go after the uninsured party.
by Thunderwriter
Mon Oct 01, 2012 7:45 pm
Forum: Compulsory Automobile Insurance Act
Topic: Hit by a drunk and I don't have insurance
Replies: 27
Views: 4707

Re: Hit by a drunk and I don't have insurance

- The general conditions of the OAP4 will stipulate how the insurance contract can be canceled for non-payment of premium (Registered letter), and has been tested in court. - I'll hold my comments on the no insurance and the situation surrounding it (I will add that it closely resembles similar no i...
by Thunderwriter
Mon Sep 03, 2012 10:35 pm
Forum: Courts and Procedure
Topic: when do convictions dissapear?
Replies: 5
Views: 1889

Re: when do convictions dissapear?

3 years for insurance for rating purposes. (They will also disappear from the abstract after 3 years). Based on date charged, not the offense date.
by Thunderwriter
Thu Mar 15, 2012 5:45 pm
Forum: Compulsory Automobile Insurance Act
Topic: Driving with someone else's insurance.
Replies: 4
Views: 1992

Re: Driving with someone else's insurance.

Once the ownership changes hands, the insurance is no longer valid. You will need to notify your insurer/set up a new policy in your name.
by Thunderwriter
Fri Feb 24, 2012 6:01 pm
Forum: Compulsory Automobile Insurance Act
Topic: driving no insurance
Replies: 10
Views: 3451

Re: driving no insurance

You would provide the MTO with your insurance information in order to get a temporary permit or plate. Then you have 14 days to advise your insurer. Whichever date your vehicle was added to your policy was the day coverage commenced, no chance of getting that changed now.
by Thunderwriter
Thu Feb 23, 2012 8:47 pm
Forum: Compulsory Automobile Insurance Act
Topic: driving no insurance
Replies: 10
Views: 3451

Re: driving no insurance

The ontario auto policy is standard in ontario and can be found online (Search ontario ottawa policy or go to FSCO's website and look for the O.A.P.1/S.P.F.1). The newly acquired auto section would apply (2.2 extending your insurance to other automobiles), subject to certain conditions. The insurer ...

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