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The Ontario Traffic Ticket Encyclopedia
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Demerit points are added to the drivers licence/abstract only where the driver is convicted of speeding in court. The amount of points added is relative to the amount of speed.
Upon reaching the maximum points for the class of licence, the Ministry of Transport will suspend the licence for the period prescribed by law.
More about your licence and demerit points >
|Speeding 15km/h or less||0|
|Speeding 16km/h to 29km/h||3|
|Speeding 30km/h to 49km/h||4|
|Speeding more than 50km/h||6|
|Cell Phone - Distracted Driving||3|
|Cross Divided Highway||3|
|Drive in Prohibited Lane - HOV Lanes||3|
|Drive in High Occupancy Lane||3|
|Drive through railway barrier||3|
|Disobey Stop Sign||3|
|Disobey Red Light||3|
|Disobey Sign - Bylaw||2|
|Disobey Police Officer||3|
|Drive Wrong Way||3|
|Fail to Remain at Accident||6|
|Fail to Report Accident||3|
|Failing to Yield Right of Way||3|
|Fail to Stop for School Bus||6|
|Fail to Lower High Beam||2|
|Fail to Share Roadway||2|
|Fail to Stop for Emergency Vehicles||3|
|Failing to Signal||2|
|Following too Closely||4|
|Improperly Open Door||2|
|Pass off Roadway||2
|Proceed Contrary to Sign||2|
|Radar Warning Device||3|
|Turn not in Safety||2|
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.
Fighting Traffic Tickets
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.
Fail to Surrender Insurance Card
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 >