Driving without insurance in Ontario is a provincial offence that can lead to serious fines and penalties, including license suspension. It also stays on your record for three years. Even if you’re borrowing your friend’s car, you still need to have auto insurance. So, if you’ve been caught, it’s important to get a paralegal or lawyer to fight the ticket.
Insurance Is A Legal Requirement
Driving without insurance in Ontario is a serious offence that can result in substantial fines, the loss of your license and your vehicle being impounded. The Compulsory Automobile Insurance Act states that no driver can operate a vehicle on a highway unless it is insured under a contract of automobile insurance. If you get caught driving uninsured, you should immediately cease all operations until you obtain a valid policy. Obtaining legal advice from a paralegal firm familiar with Ontario’s highway traffic laws and insurance regulations can help you defend yourself against any penalties you may face.
While it might seem like car insurance is another expense to factor in, this requirement protects you, your passengers and other road users from hefty financial burdens in the event of a collision. Considering the financial support that insurance provides, it’s definitely worth getting your policy in order and keeping it up to date. With the right policy, you can save yourself a lot of money in the long run!
It’s not A Criminal Offence
Although driving without insurance is not a criminal offence, it is still a serious provincial offence. The Compulsory Automobile Insurance Act outlines the penalties for driving without insurance, which include fines and the possibility of having your driver’s licence suspended. Moreover, the conviction stays on your record for three years and can affect the premiums you pay for car insurance in the future.
The minimum fine is $5,000 and increases with each offence. Additionally, if you’re found guilty, your driver’s license will be suspended for up to a year and your vehicle may be impounded. In addition, you’ll have to pay a victim fine surcharge, which is a fee that goes to victims of crime in Ontario.
The best way to avoid these hefty fines is to hire a traffic ticket lawyer or paralegal as soon as you receive a driving without insurance ontario charge. This will dramatically increase your negotiating power and increase your chances of getting a reduced penalty or even having the charges dismissed altogether.
It’s A Serious Offence
If you’re caught driving without insurance, it’s important to realize that you could face huge fines and even a suspended or revoked licence. You’ll also be considered a high-risk driver by insurers and will likely pay more for car insurance in the future.
In Ontario, drivers are required to carry a minimum amount of liability insurance to cover the cost of injury and damage that they cause to other people. However, you should consider adding collision coverage to your policy for more protection.
If you’re caught driving without insurance, the provincial offence act will impose a 25% victim fine surcharge in addition to the fine imposed by the court. In addition, your license can be suspended and your car impounded for up to three months. Familiarizing yourself with Ontario’s insurance regulations and requirements can help you avoid getting into trouble. You should also consult a paralegal or lawyer as soon as possible to increase your chances of reducing or dismissing charges for driving without insurance.
It’s A Social Responsibility
Driving without insurance is a dangerous thing to do, and it’s not only illegal. It can also have serious consequences for your health, your finances, and your relationship with others. You could end up facing significant fines, penalties, and even lose your driver’s license.
In addition to these penalties, your insurance provider may also refuse to cover you. This is because a conviction for driving without insurance will be treated the same as an impaired-driving offence, which will raise your premiums dramatically.
In Ontario, drivers must carry at least $200,000 in third-party liability coverage, which covers injury or death to other people and damage to their property in the event of a car accident that you cause. However, this is only the bare minimum. It’s a good idea to consider adding extra coverage to your policy for peace of mind. Your broker can help you determine what level of coverage is best for you.
Wrapping It Up
Car insurance in Ontario is mandatory. Driving without it is illegal and subject to stern penalties. Moreover, a conviction will be recorded on your record and may affect future insurance policies. In this article, we’ll discuss what driving without insurance ontario entails and how you can avoid it.
