WikiTrafficTickets

The Ontario Demerit Point System allows drivers to accumulated demerit points based upon their class of driver licence.

Upon reaching the maximum points for the class of licence the Ministry of Transport will suspend the drivers licence for the period prescribed by law.

More information and your licence and demerit points >

Any conviction for a traffic offence can affect insurance rates.

The insurance companies look at driver records (Driver Abstracts) to determine their perceived risk to insure the driver.

Insurance providers consider where a driver has convictions for traffic tickets, that the risk of that driver being in an accident or claim is higher.  Demerit points do not affect insurance, it’s the conviction that affects insurance.

G2 licence holders can only accumulate six (6) demerit points before the Ministry of Transportation will issue a 30 day drivers licence suspension the drivers licence.

As well where a G2 driver is convicted of any traffic offence with four (4) or more demerit points, there is a hidden thirty (30) licence suspension.

Read More about G2 Licences >

When your licence is suspended the first thing to do is learn why it was suspended.

You can either phone the Ministry of Transport at at 416-235-2999 or obtain a copy of your driver abstract, once you have this information…

Suspended Licences Read More >

Option one (1), early resolution or meeting with the prosecutor is a meeting where you plead guilty to the traffic ticket.

Meaning that if you do this the ticket will go on your insurance for three (3) years.   The prosecutor will not drop or cancel the ticket. The prosecutor may offer to reduce the charge, which may not be worth doing.

When you dispute or fight a traffic ticket you have an opportunity to win, the officer must appear, and any reduction available at early resolution maybe available on the trial date.

Yes, any conviction on your driving record can affect your insurance rates.  Insurance companies look at convictions not points to base your rates upon.

Where you have received a ticket for “Fail to Surrender Insurance Card” may courts will cancel the ticket where you appear at the court with proof of valid insurance for the day you where stopped by the police.

If you do not seek to cancel the ticket, the ticket stays on the insurance for three (3) years as a conviction.

Read more about Fail to Surrender Insurance Card >